Patents Examined by Mamon Obeid
  • Patent number: 9996835
    Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.
    Type: Grant
    Filed: July 24, 2014
    Date of Patent: June 12, 2018
    Assignee: Visa International Service Association
    Inventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
  • Patent number: 9990473
    Abstract: Securely sharing content between a first system and a second system is provided. A hardware-based root of trust is established between the first system and a server. Content requested by a user and an encrypted license blob associated with the content is received by the first system from the server. A first agent on the first system connects with a second agent on the second system. The encrypted license blob and a sub-license request are sent from the first agent to a security processor on the first system. The first security processor decrypts the encrypted license blob, validates the sub-license request, and if allowed, creates a sub-license to allow the second system to play the content. The first security processor sends the sub-license to a security processor on the second system. The first system provides access to the content to the second system for future playback according to the sub-license.
    Type: Grant
    Filed: December 8, 2011
    Date of Patent: June 5, 2018
    Assignee: Intel Corporation
    Inventors: Mojtaba Mirashrafi, Mousumi M. Hazra, Ramesh Pendakur, Daniel Nemiroff
  • Patent number: 9971986
    Abstract: A method that comprises obtaining a currently received signature from a device; obtaining a candidate identifier associated with the device; consulting a database to obtain a set of previously received signatures associated with the candidate identifier; and validating the currently received signature based on a comparison of the currently received signature to the set of previously received signatures associated with the candidate identifier. Also, a method that comprises obtaining a currently received signature from a device; decrypting the currently received signature to obtain a candidate identifier; and a candidate scrambling code; consulting a database to obtain a set of previously received scrambling codes associated with the candidate identifier; and validating the currently received signature based on a comparison of the candidate scrambling code to the set of previously received scrambling codes associated with the candidate identifier.
    Type: Grant
    Filed: March 28, 2013
    Date of Patent: May 15, 2018
    Assignee: BCE INC.
    Inventors: Tet Hin Yeap, William G. O'Brien
  • Patent number: 9965744
    Abstract: An online marketplace of digital goods is provided. A digital good proposed to be listed in the marketplace is received, where the source code for the received digital good includes scripting language code. The source code of the received digital good is rewritten to include tracking code to track behavior of the received digital good during execution of the re-written digital good, and the rewritten digital good is executed in a browser run by one or more processors of a computer system. One or more processors of the computer system automatically determine, based on evaluation of results of executing the re-written digital good, whether the digital good violates one or more predetermined conditions. Based on the determination of whether the digital good violates one or more of the predetermined conditions, an automatic determination is made whether to list the received digital good in the marketplace.
    Type: Grant
    Filed: June 29, 2012
    Date of Patent: May 8, 2018
    Assignee: GOOGLE LLC
    Inventors: Navdeep Singh Jagpal, Eric Dingle, Christian Caron
  • Patent number: 9953143
    Abstract: Systems, methods, and other embodiments associated with software identifier based correlation are described. One example system includes an identifier data store to store a first identifier that uniquely identifies a discovered instance of a software title installed in an enterprise. The first identifier is discoverable from the discovered instance and may be provided by a discovery logic. The second identifier identifies a known instance of a software title associated with the enterprise and is provided from an enterprise resource planning (ERP) data store by an ERP logic. The example system may also include a correlation logic to identify a correlation between the discovered instance and the known instance based on a relationship between the identifiers. The example system may also include an update logic to selectively update a value in the ERP data store based on the correlation.
    Type: Grant
    Filed: May 5, 2008
    Date of Patent: April 24, 2018
    Assignee: Oracle International Corporation
    Inventors: John Leong Yee, Jason Aron Alonzo, Umesh Madhav Apte
  • Patent number: 9953378
    Abstract: The SOCIAL CHECKOUT WIDGET GENERATION AND INTEGRATION APPARATUSES, METHODS AND SYSTEMS (“CWI”) transforms developer credentials, codes and parameter inputs via the CWI component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the CWI may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The CWI may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.
    Type: Grant
    Filed: April 26, 2013
    Date of Patent: April 24, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Thomas Purves, Manav Gupta
  • Patent number: 9928509
    Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component (53) is disclosed. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway component, which in turn notifies the credit processing server, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment card. A buyer may create sub-accounts.
    Type: Grant
    Filed: June 7, 2010
    Date of Patent: March 27, 2018
    Assignee: CRIA INC.
    Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
  • Patent number: 9916581
    Abstract: A method of reconstructing a packet that includes financial card information from a mobile device uses a card reader. The card reader has a read head, a slot for swiping a magnetic stripe of a card and device electronics that includes a microcontroller with logic resources with code. The card reader has a unique identifier and associated cryptographic key. The same code is used to produce an encrypted and signed signal. The encrypted and signed signal, that includes the card reader identifier, is sent to the mobile device. The mobile device sends an encrypted and signed packet to a back end of a payment system. A cryptographic key is used to decrypt and verify the contents of the packet at the back end. Non-encrypted financial card information is sent to a payment gateway.
    Type: Grant
    Filed: November 17, 2011
    Date of Patent: March 13, 2018
    Assignee: SQUARE, INC.
    Inventors: Jack Dorsey, Nathan P. McCauley, Justin Phillip Cummins, Diogo Monica, Oliver Samuel Curran Quigley, James M. McKelvey
  • Patent number: 9911118
    Abstract: Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: March 6, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Mark Carlson
  • Patent number: 9911117
    Abstract: The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the token counter being synchronized to a base counter that generates an authenticating value; transforming the token value into a token output sequence using logic; and outputting at least part of the token output sequence to an authenticating authority, the authenticating authority having access to the authenticating value.
    Type: Grant
    Filed: December 17, 2009
    Date of Patent: March 6, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Glenn Cobourm Everhart
  • Patent number: 9898781
    Abstract: A system and method for issuing, circulating and trading financial instruments with smart features is disclosed. In one particular exemplary embodiment, a financial instrument having smart features may comprise a document portion and a token device attached to or embedded in the document portion. The token device may comprise a storage device and a communication interface, wherein the token device is configured to provide a unique address for the financial instrument, the unique address including a device identifier that matches at least in part the document portion and a network address that changes based on a network location of the financial instrument and to communicate securely with an external entity at least to report an identity or a status of the financial instrument.
    Type: Grant
    Filed: August 27, 2013
    Date of Patent: February 20, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Robert M. Silverman
  • Patent number: 9864989
    Abstract: A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.
    Type: Grant
    Filed: July 10, 2007
    Date of Patent: January 9, 2018
    Assignee: CRIA INC.
    Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
  • Patent number: 9864850
    Abstract: A method of relicensing digital encrypted radio media content transmitted via a network and received by a user electronic device includes receiving a request to relicense an encrypted digital media data file included within digital encrypted radio media content. The encrypted digital media data file is retrieved from the digital encrypted radio media content stored in a memory of the user electronic device. The encrypted digital media data file is decrypted using a radio encryption key to generate an unbound digital media data file. The unbound digital media data file is bound with the user electronic device to generate, a bound encrypted digital media data file. The bound encrypted digital media data file is stored in the memory of the user electronic device.
    Type: Grant
    Filed: February 11, 2014
    Date of Patent: January 9, 2018
    Assignee: Intel Corporation
    Inventor: Joshua D. Hug
  • Patent number: 9864990
    Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.
    Type: Grant
    Filed: February 15, 2011
    Date of Patent: January 9, 2018
    Assignee: CRIA INC.
    Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, David Birch, Iain M. Begg
  • Patent number: 9853959
    Abstract: An electronic personal data locker system is described in which personal data is stored, organized, accessed, and/or maintained, among others activities. In an embodiment, the personal data locker system comprises multiple personal data lockers that each store different types of personal information and/or data of a user. The personal data lockers are established by the system and may be integrated with mobile computing devices. The system may enable the sharing of the gathered data with third parties and/or may enable the user to set preferences for what data is to be shared with various third parties. The system may further provide convenience in providing personal data to third parties via a standard application programming interface (API). The system may also enable the finding and/or calculating of user-related insights based on the gathered data through correlation, aggregation, and/or analysis of the user's personal data.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: December 26, 2017
    Assignee: CONSUMERINFO.COM, INC.
    Inventors: Mark Joseph Kapczynski, Michael John Dean
  • Patent number: 9852418
    Abstract: A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.
    Type: Grant
    Filed: March 11, 2013
    Date of Patent: December 26, 2017
    Assignee: PayPal, Inc.
    Inventor: Upendra Mardikar
  • Patent number: 9846866
    Abstract: Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to include the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
    Type: Grant
    Filed: February 22, 2007
    Date of Patent: December 19, 2017
    Assignee: First Data Corporation
    Inventor: Vijay Royyuru
  • Patent number: 9836615
    Abstract: When new music content is generated on the basis of replication of original music content, additional information including information indicating that the generated new music content is based on replication and replication source information identifying a replicated-from source of the replicated content is generated and added to the new music content based on the replication. When the new (i.e., replicated) music content is to be used, a search is made for original music content on the basis of information identifying a replicated-from source and use of the new (replicated) music content is permitted only when the c original music content has been successfully found. Such arrangements reliably allow the replicated content to be used by a given person only when the person possesses the original music content.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: December 5, 2017
    Assignee: Yamaha Corporation
    Inventors: Takashi Ikeda, Tetsuo Okamoto, Tsutomu Yanase
  • Patent number: 9838869
    Abstract: Embodiments of the disclosure relate generally to methods and systems for delivering digital or media content to a mobile device and associating the digital rights for the content with an identifier of the mobile device or user of the mobile device. In some embodiments, a clearing house may store the digital rights for the content and provide authorization for delivery requests from the mobile device. In some embodiments, the mobile device may receive the content via communication with one or more of: the clearing house, a media provider, and/or a transport provider.
    Type: Grant
    Filed: April 10, 2013
    Date of Patent: December 5, 2017
    Assignee: Sprint Communications Company L.P.
    Inventors: Stephen James Bye, Lyle W. Paczkowski, Matthew C. Schlesener
  • Patent number: 9830634
    Abstract: An apparatus and method provide simple and secure financial transactions in an instant messaging (IM) environment. Two users may engage in an IM session (chat session), with negotiations for a product or service taking place during the chat session. One or both of the users may activate an IM financial transaction mechanism during the chat session. The IM financial transaction mechanism analyzes the chat text, and presents a draft transaction to both buyer and seller, with options based on the analyzed chat text. The draft transaction may be modified by both buyer and seller, who both confirm the draft transaction when all of the details are correct. The confirmed transaction is then sent to a web server that includes an interface to the buyer's online account, and payment is made by transferring the funds for the confirmed transaction from the buyer's online account to an account for the seller.
    Type: Grant
    Filed: February 23, 2006
    Date of Patent: November 28, 2017
    Assignee: International Business Machines Corporation
    Inventors: Zachary Adam Garbow, Frederick Allyn Kulack, Kevin Glynn Paterson