Patents Examined by Jay Huang
  • Patent number: 10810555
    Abstract: A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants web site, a user interface, establishing a secure communication channel between the interface and an account server, the account server having stored a profile of an registered user, submitting, by the user interface, purchase information of the purchase order to the account server, requesting, by the account server through the user interface, authentication of the user, linking, at the account server, purchase information to the user profile, requesting, through the user interface, purchase confirmation by the user, requesting, by the user interface, a checkout reference for the confirmed purchase order from the account server, submitting, at least part of the purchase information and the checkout reference to a payment service provider to process the transaction.
    Type: Grant
    Filed: June 23, 2017
    Date of Patent: October 20, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Matthias Wolfgang Sigmund
  • Patent number: 10810588
    Abstract: A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: October 20, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Brien Buckman, Benjamin Alexander Flast
  • Patent number: 10810573
    Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.
    Type: Grant
    Filed: August 10, 2015
    Date of Patent: October 20, 2020
    Assignee: One Global Service for General Trading LLC
    Inventor: Mohammed Sh. Al-Rashidi
  • Patent number: 10803441
    Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.
    Type: Grant
    Filed: August 2, 2017
    Date of Patent: October 13, 2020
    Assignee: CRIA INC.
    Inventor: William O. White
  • Patent number: 10796301
    Abstract: 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: Grant
    Filed: January 8, 2016
    Date of Patent: October 6, 2020
    Assignee: Worldpay, LLC
    Inventors: William H. Cohn, Sayid Shabeer, David Tarbox
  • Patent number: 10797867
    Abstract: In an electronic bidding system and method, it is unnecessary to disclose to bidders a list of public keys matched to bid prices, and in which price secrecy may be proved. In a function of encryption of a bidding device 300, a public key is generated using a bid price and an IBE public key, based on an ID-Based Encryption (IBE) system having a bid value as an ID. IBE public key is obtained on combining a plurality of partial public keys matched to partial secret keys generated by a plural number of partial bid opening devices based on a combination condition enabling group decryption. A preset message for bidding is then encrypted. In a function of decryption of a bid opening device 400, a number of partial bid opening devices, which is in keeping with a satisfying number of the group decryption, perform calculations for decryption for winning bid value candidates, beginning from such candidate, the allowable bid value closest to the bid closing condition.
    Type: Grant
    Filed: November 29, 2006
    Date of Patent: October 6, 2020
    Assignee: NEC CORPORATION
    Inventors: Toshiyuki Isshiki, Kazue Sako
  • Patent number: 10789592
    Abstract: Techniques for providing a risk control method and device for resolving the issue of low application software security are described. A transaction request is received from a first user, and the transaction request comprises transaction data, data identifying the first user, and data identifying a second user. An attribute of the first user is determined from the data identifying the first user. An attribute of the second user is identified using the data identifying the second user. In response to the attribute of the first user being determined and the attribute of the second user being identified, an attribute similarity between the first user and the second user is determined. The attribute similarity is compared to a threshold. In response to determining the attribute similarity is less than the threshold, a notification is transmitted to the first user requesting a confirmation of the identified attribute of the second user.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: September 29, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Lizhong Li
  • Patent number: 10776477
    Abstract: There is presented a system and method for coordinating asset entitlements, the system comprising a server including a processor and a memory and accessible by multiple domains over a network, and an asset entitlement database searchable by the server, wherein an entry of the asset entitlement database links a domain transcendent user identification (ID) of a user and at least one asset entitlement acquired by the user from any of the domains. In one embodiment, the server is configured to receive an asset entitlement inquiry from one of the domains, search the asset entitlement database for asset entitlements acquired by the user from any of the domains, generate a search result identifying the asset entitlements acquired by the user from the domains, and send data corresponding to the search result to the domain from which the asset entitlement inquiry was received.
    Type: Grant
    Filed: March 14, 2018
    Date of Patent: September 15, 2020
    Assignee: Disney Enterprises Inc.
    Inventors: Edward C. Drake, Arnaud Robert
  • Patent number: 10776804
    Abstract: The present invention provides systems for and methods providing a user in a commercial establishment with personalized information, which can include a personalized shopping list, targeted advertisements, health information, nutritional information, promotional offers, offers on sale items, offers on discounted items, manufacturer's coupons, storewide coupons, information on user specific favorite items, and information on user specific staple items. Also disclosed is a device for and method of providing the precise location of a user in a commercial facility comprising a signal receiver and position calculating system that uses one of biangulation and triangulation techniques.
    Type: Grant
    Filed: December 20, 2010
    Date of Patent: September 15, 2020
    Assignees: CUESOL, INC., AHOLD DELHAIZE LICENSING SARL
    Inventors: Curt V. Avallone, Jacob D. Mark
  • Patent number: 10755269
    Abstract: A secure payment agent assist (“SPAA”) feature provides assistance to a contact center agent during a payment transaction, where payment information provided by the remote party is maintained in secure manner, so that the agent is not exposed to the payment information. The agent is assisted by being provided with a pop-up window that allows the agent to invoke a “recollect” and “cancel” function during the transaction. The pop-up window also provide information to the agent making the agent aware of the progress of the transaction as the remote party interacts with an interactive voice response (“IVR”) unit. In other embodiments, a configuration parameter allows the prompts for the payment information to be provided by the agent or the IVR.
    Type: Grant
    Filed: June 21, 2017
    Date of Patent: August 25, 2020
    Inventors: Charles S. Mathis, Jason S. Conner, Jason P. Ouimette
  • Patent number: 10748137
    Abstract: Methods, apparatus, and storage mediums for displaying a virtual card are provided herein. In one aspect, a method includes acquiring card face display data of a virtual card to be displayed when receiving an interface display instruction, and generating a payment function identification for the virtual card according to a provisioning state of a payment function supported by the virtual card. The method also includes displaying the virtual card according to the card face display data and the payment function identification for the virtual card. In this disclosure, one or more virtual cards can be displayed intuitively according to different payment functions supported by the virtual cards and different provisioning states of the respective payment functions, so that all payment manners supported by the virtual cards are clearly displayed. Thus, a user can be helped and guided to apply for provisioning of corresponding payment functions conveniently.
    Type: Grant
    Filed: June 20, 2017
    Date of Patent: August 18, 2020
    Assignee: Beijing Xiaomi Mobile Software Co., Ltd.
    Inventors: Xu Zhang, Yu Cheng, Jing Liu
  • Patent number: 10740763
    Abstract: A blockchain-based transaction processing method may comprise: in response to a designated account being logged in through an application client, generating, according to input to-be-operated account information and configured operation content, an operation instruction comprising the to-be-operated account information and the operation content; and sending the operation instruction to a node in a blockchain network, causing the node in the blockchain network to invoke a smart contract corresponding to the designated account upon receiving the operation instruction, and to execute an operation according to the operation content on another account corresponding to the to-be-operated account information.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: August 11, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Hao Wu
  • Patent number: 10740761
    Abstract: A blockchain-based transaction processing method may comprise: in response to a designated account being logged in through an application client, generating, according to input to-be-operated account information and configured operation content, an operation instruction comprising the to-be-operated account information and the operation content; and sending the operation instruction to a node in a blockchain network, causing the node in the blockchain network to invoke a smart contract corresponding to the designated account upon receiving the operation instruction, and to execute an operation according to the operation content on another account corresponding to the to-be-operated account information.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: August 11, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Hao Wu
  • Patent number: 10733308
    Abstract: Unlocking digital content embodied in digital readable form on a digital media carrier is described. Unlocking the digital content includes evaluating a code provided by a user scanning a tag attached to a printed, physical copy of the digital content; and if the code corresponds to an authorized code, unlocking the digital content.
    Type: Grant
    Filed: August 17, 2005
    Date of Patent: August 4, 2020
    Assignee: Cambium Learning, Inc.
    Inventor: Mark S. Dionne
  • Patent number: 10735644
    Abstract: Essentially coincident with the capture of an image by the imaging device, biometric information indicating the identity of the operator of the device is obtained from at least one biometric sensor. The biometric information and captured image are then stored in a manner reliably associating each with the other. At a later time, biometric information is obtained from a supposed operator of the imaging device. By comparing this candidate biometric information with the stored biometric information, the supposed operator may be authenticated as the operator of the imaging device at the time of capture of the stored image.
    Type: Grant
    Filed: October 22, 2014
    Date of Patent: August 4, 2020
    Assignee: Applied Minds, LLC
    Inventors: Bran Ferren, W. Daniel Hillis, Clinton Blake Hope
  • Patent number: 10726401
    Abstract: A configuration system and method is disclosed that includes a unified and integrated configuration that is composed of a payment system, an advertising system, and an identity management system such that the unified system has all of the benefits of the individual systems as well as several additional synergistic benefits. Also described are specific configurations including the system's access point architecture, visual wallet simulator user interface, security architecture, coupon handling as well as the system's structure and means for delivering them as targeted advertising, business card handling, membership card handling for the purposes of login management, receipt handling, and the editors and grammars provided for customizing the different types of objects in the system as well as the creation of new custom objects with custom behaviors. The configurations are operable on-line as well as through physical presence transactions.
    Type: Grant
    Filed: June 3, 2016
    Date of Patent: July 28, 2020
    Assignee: Google LLC
    Inventors: Philipp Frank Hermann Udo Hertel, Alexander Wolfgang Karl Kurt Hertel, John David Trevor Graham, Mark Braverman
  • Patent number: 10719859
    Abstract: A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.
    Type: Grant
    Filed: January 30, 2006
    Date of Patent: July 21, 2020
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Darrell Sher
  • Patent number: 10691778
    Abstract: A system and method is arranged to provide compression and decompression of digital content in a secure manner. The system is configured to authenticate a source of the digital content, and to further determine a consumer's entitlements and rights for access to the digital content. Based upon the determined entitlements and rights for access, the system is directed to decrypt, and decompress the digital content. In one embodiment, a component of the system is enabled to establish a trust relationship with at least one other component of the system, to minimize an opportunity for piracy of the digital content. In another embodiment, a secure clock is directed to provide protection against hackers that may employ an in-circuit emulator, or the like.
    Type: Grant
    Filed: February 28, 2017
    Date of Patent: June 23, 2020
    Assignee: GOOGLE LLC
    Inventors: Glenn A. Morten, Tomas E. Palmer, Charles D. MacLean
  • Patent number: 10685344
    Abstract: A method for controlling payment in a communications system including the steps of providing a service accessing a service provider from the or one user device, selecting a product for purchase from the service provider, the service agent receiving a request for payment from the service provider via a payment operator and the service agent issuing a payment authorisation to a payment provider via the payment operator. The service agent is installable in a variety of user devices and provides a uniform interface to the payment system from a plurality of the user devices. The service agent may also provide a uniform interface to an ordering system from a plurality of the user devices.
    Type: Grant
    Filed: July 13, 2006
    Date of Patent: June 16, 2020
    Assignee: BRITISH TLECOMMUNICATIONS PLC
    Inventors: Huina Chua, Simon A Beddus, David Roxburgh
  • Patent number: 10679749
    Abstract: The invention provides a system and method for virtual world biometric analytics through the use of a multimodal biometric analytic wallet. The system includes a virtual biometric wallet comprising a pervasive repository for storing biometric data, the pervasive repository including at least one of a biometric layer, a genomic layer, a health layer, a privacy layer, and a processing layer. The virtual biometric wallet further comprises an analytic environment configured to combine the biometric data from at least one of the biometric layer, the genomic layer, the health layer, the privacy layer, and the processing layer. The virtual biometric wallet also comprises a biometric analytic interface configured to communicate the biometric data to one or more devices within a virtual universe.
    Type: Grant
    Filed: August 22, 2008
    Date of Patent: June 9, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Aaron K. Baughman, Christopher J. Dawson, Barry M. Graham, David J. Kamalsky