Abstract: A system includes a memory and a processor. The memory may store a customer account associated with a customer and an enterprise account associated with an enterprise. The processor may be communicatively coupled to the memory and may cause the system to receive a request to deposit a first amount of a cryptocurrency in the customer account from the customer. The processor may also cause the system to determine a public key associated with the customer account and receive the first amount of the cryptocurrency. The processor may further cause the system to determine a first value approximately equivalent to the first amount of cryptocurrency and associate the first value with the customer account. The processor is further able to aggregate the first amount of cryptocurrency with an aggregated amount of the cryptocurrency in the enterprise account and facilitate securing the public key in the enterprise account.
Type:
Grant
Filed:
June 16, 2014
Date of Patent:
November 13, 2018
Assignee:
Bank of America Corporation
Inventors:
James G. Ronca, Jason P. Blackhurst, Joseph B. Castinado, Heather Dolan, Thomas E. Durbin, Richard H. Thomas
Abstract: Methods and apparatus, including computer program products, are provided for express voting. In some example embodiments, there is provided a method for express voting. The method may include authenticating a voter based on a token carried by a user equipment, the token mapped to at least one of an identity of the voter, a precinct of the voter, and a ballot for the voter; and providing, when the authenticating indicates the voter is authorized to vote, the ballot presented on the user equipment. Related systems, methods, and articles of manufacture are also disclosed.
Type:
Grant
Filed:
January 24, 2014
Date of Patent:
October 23, 2018
Assignee:
Everyone Counts, Inc.
Inventors:
Eric James Joyce, Craig Harold Reines, Anthony Kelly
Abstract: A system and method for authorizing transactions using biometrics is disclosed. The system may be a commerce authorization system comprising a portable computing device, a docking station, and a biometric reader. The method for authorizing a transaction may comprise the steps of: receiving biometric data from a biometric reader; comparing the received biometric data with a biometric template; and, transmitting payment information to the vendor.
Abstract: A method for processing payment. The method includes receiving, by a payment service, a payment text message comprising a payment amount and an identifier of a payee mobile device, validating the payment text message based on a payer balance of a virtual payer account maintained by the payment service for the payer, creating, by the payment service and in response to the payment text message, a virtual payee account based on the identifier of the payee mobile device, transferring, in response to creating the virtual payee account, the payment amount from the virtual payer account to the virtual payee account, and sending, by the payment service to the payee mobile device, a notification text message to notify the payee regarding a payee balance of the virtual payee account, wherein the payee balance is determined based at least on the payment amount.
Abstract: A voter verification system and method are provided. The voter verification system may include a mobile messaging aggregator configured to receive voter verification requests from one or more mobile carriers, and a mobile voter verification server configured to verify a voter's identity in response to a voter verification request and generate a voter verified code once the voter's identity has been verified. The mobile messaging aggregator may cause a link to the voter verified code to be transmitted to a mobile device of the voter, which when selected by the voter, allows the voter to cast a vote.
Type:
Grant
Filed:
September 15, 2016
Date of Patent:
July 17, 2018
Assignee:
Global Mobile, LLC
Inventors:
Lee Ballinger Durham, III, Scott Hughes
Abstract: Systems and methods for rapidly provisioning functionality to one or more mobile communication devices are disclosed. The method may comprise generating, prior to a request for the functionality, a globally unique identifier (“GUID”) encryption key, wherein the GUID comprises a unique identifier that may be associated with a transaction account customer, generating a value associated with the GUID, deriving, based on the value, a plurality of base encryption keys associated with the value, creating, a perso-script, wherein the perso-script comprises a file associated with data associated with a customer, and/or creating a proto-script, wherein the proto-script comprises the perso-script prepended by a script to rotate the plurality of base encryption keys.
Type:
Grant
Filed:
May 26, 2016
Date of Patent:
June 26, 2018
Assignee:
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
Abstract: A social graph may be modeled as a collection of claims. Each claim is associated with an author, an audience, and an assertion about a fact. Probabilistic information may be collected from various sources for a claim, enabling a social networking system to evaluate a truthfulness of the assertion made in the claim. User-declared profile information may be evaluated as claims. A user, entity, or application may make claims about any assertions made in the social networking system. Reputation scores may be determined for users based on evaluations of their historical assertions. Claims may be evaluated for truthfulness using a probabilistic prediction model using heuristics analysis, regression analysis, and machine learning methods. A claims-based profile of users may be provided to viewers based on the contexts in which the claims were made. Viewers may view claims made about users, such as the users' biographical information, contact information, expertise, and interests.
Type:
Grant
Filed:
April 24, 2012
Date of Patent:
May 22, 2018
Assignee:
Facebook, Inc.
Inventors:
Samuel Lessin, Michael Richter, Aaron Sittig
Abstract: A method of making a payment in which payment data is received by a user's terminal from a point-of-sale terminal, a secret of a payment application is received by the terminal from the operator's server system, a trust card is activated in the user's terminal by utilizing said secret of the payment application, and data of the trust card is transmitted from the user's terminal to the point-of-sale terminal for making the payment transaction. A trust card is created in the server system, data of the trust card is transmitted to the terminal to be used for making the payment transaction, the secret of the payment application is formed in the server system, and access to the secret of the payment application is provided to the terminal for activating the trust card for making the payment transaction.
Abstract: Systems and related methods facilitating secure payments are discussed herein. Some embodiments may provide for a system including a payment gateway server, a tokenizer server and a detokenizer server. The payment gateway server may receive payment card data from a merchant device and provide the payment data the tokenizer server. The tokenizer server may be configured to generate one or more tokens based on the payment data and provide the one or more tokens to the payment gateway server. During payment processing, the payment gateway server may be configured to provide the one or more tokens to the detokenizer server configured to determine the payment data based on the one or more tokens to facilitate completion of a financial transaction. In some embodiments, the one or more tokens may be stored for subsequent payments. Furthermore, some embodiments may provide for secure promotion redemptions in addition or alternative to payments.
Type:
Grant
Filed:
February 25, 2014
Date of Patent:
March 13, 2018
Assignee:
GROUPON, INC.
Inventors:
Christopher Dwyer Watson, Benjamin Pierce McKean, Sean Nicholas Harper, Josh Krall, Qi Li