Patents Examined by John W. Hayes
  • Patent number: 11676140
    Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.
    Type: Grant
    Filed: June 17, 2020
    Date of Patent: June 13, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Patent number: 11670127
    Abstract: Systems and methods for monitoring and reporting the status of paper ballots for mail-in voting are provided. The paper ballots are monitored during their transit to and/or from the voters. Reports regarding the status of such paper ballots may be provided to the voters and/or the elections division. Such reports may facilitate increased transparency into the mail-in voting process.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: June 6, 2023
    Assignee: I3LOGIX, INC.
    Inventor: Steven Charles Gatt
  • Patent number: 11651347
    Abstract: The present disclosure is drawn to, among other things, a method of providing a payment terminal application on an electronic device, the electronic device comprising a volatile storage module, a user input module and a network interface module. In some aspects the method includes receiving user credentials from the user input module, transmitting an authentication request message to a remote data center via the network interface module, the authentication request message including the user credentials, receiving an authentication response message from the remote data center, the authentication response message including an indication as to whether authentication was successful, and if the authentication was successful, receiving at least one encryption key from the remote data center; and storing the at least one encryption key in the volatile storage module.
    Type: Grant
    Filed: February 2, 2018
    Date of Patent: May 16, 2023
    Assignee: Worldpay Limited
    Inventors: Jonathan Stewart Vokes, Nicholas Telford-Reed
  • Patent number: 11651358
    Abstract: A method for processing of a cryptographically auditable transaction includes: receiving payment data, wherein the payment data includes at least a primary account number; transmitting the primary account number to a computing system; receiving a confirmation associated with the primary account number from the computing system; transmitting a payment request to the computing system, wherein the payment request includes at least a reference value associated with a payment transaction; receiving an acceptance request from the computing system, wherein the acceptance request includes at least the reference value, an acceptance address, one or more fee values, and a first digital signature generated by a third party; generating a second digital signature using at least the acceptance address; and transmitting at least the second digital signature to the computing system.
    Type: Grant
    Filed: July 25, 2017
    Date of Patent: May 16, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Steven Charles Davis
  • Patent number: 11645586
    Abstract: In one embodiment, a computer-implemented method performed by a data processing (DP) accelerator, the method includes receiving, at the DP accelerator, first data representing a set of training data from a host processor and performing training of an artificial intelligence (AI) model based on the set of training data within the DP accelerator. The method further includes implanting, by the DP accelerator, a watermark within the trained AI model and transmitting second data representing the trained AI model having the watermark implanted therein to the host processor. In an embodiment, the method further includes receiving a pre-trained machine learning model; and performing training for the pre-trained AI model based on the set of training data within the DP accelerator.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: May 9, 2023
    Assignees: BAIDU USA LLC, KUNLUNXIN TECHNOLOGY (BEIJING) COMPANY LIMITED
    Inventors: Yueqiang Cheng, Yong Liu
  • Patent number: 11645658
    Abstract: Disclosed is a system, method, and computer program product for determining solvency of a digital asset exchange system. The method includes identifying a plurality of blockchain addresses corresponding to a plurality of users of the digital asset exchange system, generating a first commitment to an amount of digital assets corresponding to the plurality of blockchain addresses, generating a second commitment to a balance of each user of the plurality of users, generating a first component of a zero-knowledge algorithm configured to receive, as input, the first commitment, and to output a value generated based on each public key, generating a second component of the zero-knowledge algorithm configured to receive, as input, the second commitment, and to output a value generated based on each user balance, and determining, with at least one processor, that the digital asset exchange system is solvent based on the zero-knowledge algorithm.
    Type: Grant
    Filed: July 2, 2018
    Date of Patent: May 9, 2023
    Assignee: Visa International Service Association
    Inventors: Payman Mohassel, Shashank Agrawal, Chaya Ganesh
  • Patent number: 11640603
    Abstract: A system for crypto token linked assets in at least one of a game, a fantasy sport, and a wagering opportunity, the system including a token server storing at least one transaction of at least one licensor crypto token over a network, the token server being programmed to create proof of ownership for at least one of a unique digital asset and a unique physical asset of at least one licensor, analyze the at least one transaction, and associate the at least one licensor to the at least one licensor crypto token, at least one licensor apparatus being programmed to generate and distribute the at least one licensor crypto token, and send the at least one licensor crypto token to the token server, and at least one licensee apparatus being programmed to request use of the at least one licensor crypto token on the token server, and obtain a license to use the at least one licensor crypto token in response to completing the at least one transaction.
    Type: Grant
    Filed: November 18, 2021
    Date of Patent: May 2, 2023
    Inventor: Joseph Freire
  • Patent number: 11640601
    Abstract: A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.
    Type: Grant
    Filed: August 28, 2020
    Date of Patent: May 2, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Donghao Huang, Hancong Guan, Srinath Ravinathan, Mohammed Sadiq Ahmad, Rajasekaran Dhamodharan, Steven C. Davis, Rakesh Yadav, Sébastien Le Callonnec, David James Fleming
  • Patent number: 11636477
    Abstract: The purpose of the present invention is to provide a new data utilization system in which, while an individual independently uses and utilizes one's own personal data, security and anonymity of the data can be effected.
    Type: Grant
    Filed: December 28, 2017
    Date of Patent: April 25, 2023
    Inventor: Takayuki Nakamura
  • Patent number: 11620651
    Abstract: A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction.
    Type: Grant
    Filed: July 11, 2019
    Date of Patent: April 4, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Chandan Garg, Jaipal Singh Kumawat, Sandeep Parvathareddy
  • Patent number: 11620654
    Abstract: Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. The mobile device then receives one or more cryptographic keys, generates an unpredictable number (UN), generates dynamic CVC3 data based on the UN, and then assembles emulated magnetic stripe data. During initiation of a purchase transaction, the mobile device processor transmits the emulated magnetic stripe data to a communications interface associated with a merchant device.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: April 4, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Maurice David Liscia, Axel Cateland, Ngassam Ngnoumen, David Anthony Roberts
  • Patent number: 11615392
    Abstract: Systems and methods for the of use information from application programming interfaces on wearable devices in third party applications are provided. A system comprising a user device, data storage, an application programming interface and an application is provided. In this system, there is a user device that includes a health monitor. The health monitor includes sensors and associated software that enable it to obtain health information about the wearer of the user device. In this system, there is data storage on the user device that stores the health information as user health data. In this system, there is an application programming interface on the user device that enables the health monitor to share the user health data with other applications executing on the user device.
    Type: Grant
    Filed: May 1, 2020
    Date of Patent: March 28, 2023
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rajko Ilincic, Jeffrey Rule, Daniel Herrington
  • Patent number: 11615272
    Abstract: Disclosed herein are system, method, and computer program product embodiments for scrubbing anomalies from an expanding dataset. In an embodiment, a data sanitization system may determine whether data is anomalous to a set of data stored on a first blockchain. The data sanitization system may perform this determination using a first machine learning algorithm trained using the set of data. Upon determining that data is anomalous, the data sanitization system may publish the data in a second blockchain different from the first blockchain. The data sanitization system may monitor data of the second blockchain and apply a second machine learning algorithm to this data to identify a pattern of anomalous data. In response to identifying the pattern, the data sanitization system may publish the anomalous data of the second blockchain to the first blockchain.
    Type: Grant
    Filed: June 17, 2020
    Date of Patent: March 28, 2023
    Assignee: Capital One Services, LLC
    Inventors: Salim Memon, Saira Zaman
  • Patent number: 11605059
    Abstract: Systems and methods are describe herein for managing a transaction between two parties. A distributed ledger management service (DLMS) microservice receives an electronic document pertaining to a transaction from a user. The electronic document includes transactional data. A document type is determined by the DLMS microservice. A portion of the transactional data is extracted from the electronic document based on the document type. The portion of the transactional data is provided to a distributed ledger node for decentralized storage and further reporting to a third party.
    Type: Grant
    Filed: December 3, 2018
    Date of Patent: March 14, 2023
    Assignee: SAP SE
    Inventors: Thomas Benjamin, Sriram Narasimhan, Abhay Saswade, Gireesh Malaksamudra
  • Patent number: 11604892
    Abstract: Disclosed are systems, methods, and non-transitory computer-readable media for standard compliant collection of sensitive data during a communication session. A standard compliant data collection system is used to provide the standard compliant collection of sensitive data. For example, in response to receiving an indication that a user is to provide sensitive data during an active communication session between the user and an agent, a standard compliant data collection mode is invoked. As a result, communication within the active communication session is routed between the user and the standard compliant data collection system via a secure connection, during which sensitive data is collected in a standard compliant manner. Once collection of the user's sensitive data has been completed, the standard compliant data collection mode is ended, and communication within the active communication session is routed between the user and the agent.
    Type: Grant
    Filed: May 28, 2020
    Date of Patent: March 14, 2023
    Assignee: Twilio Inc.
    Inventors: Krishnaprasad Gutta, Christer Jan Erik Fahlgren
  • Patent number: 11605091
    Abstract: Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: receiving, by an application executing on a processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account, receiving, by the application, a cryptogram from a contactless card associated with an account, transmitting, by the application to a server, the cryptogram, determining, by the application based on a decryption result received from the server, that the server decrypted the cryptogram, and authorizing, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.
    Type: Grant
    Filed: December 23, 2020
    Date of Patent: March 14, 2023
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Srinivasa Chigurupati, Jeffrey Rule
  • Patent number: 11604633
    Abstract: A blockchain integrated station receives a startup instruction. The blockchain integrated station sends a signature verification request for a disk image stored in the blockchain integrated station to a cryptographic acceleration card included in the blockchain integrated station. The blockchain integrated station receives a signature verification result from the cryptographic acceleration card, where the signature verification result indicates whether a signature of the disk image passes a verification. In response to determining that the signature verification result indicates that the signature of the disk image passes the verification, the blockchain integrated station executes the disk image.
    Type: Grant
    Filed: June 28, 2021
    Date of Patent: March 14, 2023
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Changzheng Wei, Ying Yan, Hui Zhang, Lei Wang
  • Patent number: 11601332
    Abstract: A method includes receiving data characterizing digital content from a repository of digital content. The method also includes receiving data characterizing a right to use the digital content from a store configured to sell a right to use the digital content to a customer associated with a non-destructive testing device. The method further includes performing an inspection of machinery using the non-destructive testing device based on the received digital content and the received right to use the digital content. The inspection can be performed by one or more of executing, using, and displaying the digital content. Related systems, devices, and non-transitory computer-readable mediums are also described.
    Type: Grant
    Filed: May 8, 2020
    Date of Patent: March 7, 2023
    Assignee: Baker Hughes, a GE Company, LLC
    Inventors: Jason Howard Messinger, Michael Christopher Domke, Scott Leo Sbihli, Robert Carroll Ward, Francois Xavier De Fromont
  • Patent number: 11593780
    Abstract: Disclosed is a technique for verifying the validity of security certificates received by a mobile device. The technique can involve diverting a security certificate into a secure environment, such as a payment application, by modifying an import address table (e.g., implementing a “hook”) that is accessed by the security layer of the mobile device. Once diverted, the payment application can create a copy of the security certificate. The copy may be stored in a list of security certificates that is subsequently uploaded to a payment processing system for authentication. In some embodiments, a checksum is generated for the import address table using a cryptographic hash function. The checksum allows the payment application or the payment processing system to determine whether an unauthorized modification of the import address table is present.
    Type: Grant
    Filed: December 10, 2015
    Date of Patent: February 28, 2023
    Assignee: BLOCK, INC.
    Inventors: Dino Dai Zovi, Eric Monti
  • Patent number: 11595816
    Abstract: A system and method to support identity theft protection and, in particular, to a system and method for supporting identity theft protection as part of a distributed service oriented ecosystem in Internet protocol (IP) multimedia subsystem (IMS) and non-IMS networks. The system includes an identity session initiation protocol (SIP) application server configured to act as a security assertion markup language (SAML) bridge, which allows an SIP enabled device or a non-SIP enabled device to attach to a telecommunications service provider network. A user may accept or reject an authorization request using the SIP enabled device or non-SIP enabled device.
    Type: Grant
    Filed: April 26, 2016
    Date of Patent: February 28, 2023
    Assignee: Workday, Inc.
    Inventors: Mamdouh Ibrahim, Sri Ramanathan, Tapas K. Som, Matthew B. Trevathan