Patents Examined by Mamon Obeid
  • Patent number: 9818094
    Abstract: In general, the subject matter described in this disclosure can be embodied in methods, systems, and program products. A computing device provides a user interface of a third-party application program. The user interface includes an interface element that causes purchase of a product. The computing device receives an indication that the user has selected the interface element. The computing device identifies a first identity certificate that is assigned to the third-party application program from among multiple identity certificates that are assigned to multiple respective third-party application programs. The computing device sends the first identity certificate to a server system so as to cause the server system to determine whether the first identity certificate matches a second identity certificate. The computing device receives an indication that the third-party application program is able to legitimately purchase the product. The computing device sends a request for purchasing the product.
    Type: Grant
    Filed: February 21, 2013
    Date of Patent: November 14, 2017
    Assignee: Google Inc.
    Inventors: Linda K. Nguyen, Jasper S. Lin
  • Patent number: 9811829
    Abstract: Systems and methods are provided for facilitating guided entry of a passcode. The exemplary guided passcode entry system provides additional security to traditional secret PIN or passcode entry systems by generating a randomized input sequence (order of entry) and prompting a user to input a passcode according to the randomized input sequence. The system also causes a test of the user's input data against a database of passcodes associated with the particular user for an exact match. The testing step can include comparing characters of the input data to a particular passcode associated with the user which is stored in a database in accordance with the randomized input sequence in regard to the order that the input data was received. Based on the comparison of the received passcode to the stored passcode, the system can advance a transaction with the user.
    Type: Grant
    Filed: June 8, 2015
    Date of Patent: November 7, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Mohammed Sadiq
  • Patent number: 9805410
    Abstract: A client (e.g., an eReader) receives and displays a sample version of content to a user retrieved from a store server. The sample version is a subset of the full version of the content. The client determines a location in the sample content in which to insert a buy page that allows the user to purchase the full version. The buy page may be inserted at a location that minimizes the time the user spends waiting for the full version to be installed on the client. The client uses one or more locating factors to determine the location. The user may interact with the buy page inserted at the determined location to purchase the full version of the content. The client interacts with the store server to conduct the purchase transaction, and seamlessly transitions the user from the sample to the full version of the content.
    Type: Grant
    Filed: February 26, 2013
    Date of Patent: October 31, 2017
    Assignee: Google Inc.
    Inventor: Ficus Kirkpatrick
  • Patent number: 9805350
    Abstract: The invention relates to a system and method providing access of one or more heterogeneous digital contents to at least one offline Digital Rights Management (DRM) user by a DRM server. This invention involves establishing the trust relationship among the DRM server, DRM client, user's machine and the end user by means of digital certificate. The server generates protected digital content by means of using a standard encryption algorithm. The invention further involves determining whether a license for accessing the protected file is requested by the legitimate user, and if so, generating a license consisting the user rights and the protected decryption key to be downloaded by legitimate user. The DRM client decrypts the protected file using a decryption key of the license, and renders the content to the end user by calling the appropriate and customized viewer during consumption.
    Type: Grant
    Filed: July 12, 2013
    Date of Patent: October 31, 2017
    Assignee: Infosys Limited
    Inventors: Ravi Sankar Veerubhotla, Ashutosh Saxena, Shikha Gupta, Harigopal K. B. Ponnapalli
  • Patent number: 9785937
    Abstract: A computer enabled system for facilitating electronic micropayments in which an accounting application receives a vendor submission a remote vendor server via a public communications network. This includes identifiers for the vendor, the customer and an item selected by the customer. The accounting application then checks the status of the customer's account. If it has sufficient funds, the transaction proceeds. The customer account is conditionally debited, and the vendor account conditionally credited with the transaction amount, including fees. A transaction confirmation is sent to the vendor application which then confers usage rights for the item to the customer. The accounting application periodically reconciles the vendor and customer accounts, deducts any service fees, and makes a single payment to each vendor. This single payment only incurs a single per-transaction credit-card company fee, thereby spreading it across multiple purchases and clients, making micro-transactions profitable.
    Type: Grant
    Filed: April 30, 2013
    Date of Patent: October 10, 2017
    Inventor: Paul Wickliffe
  • Patent number: 9785927
    Abstract: According to an embodiment, access to an online resource is enabled by associating a telephony number with a network resource that is made available at a network location, where network resource is protected so as to be inaccessible without access being provided for users individually. A particular user may be detected in initiating a telephony session using the number. Access to the network resource may be activated or authorized for the particular user in response to detecting the user initiating the telephony session.
    Type: Grant
    Filed: November 2, 2007
    Date of Patent: October 10, 2017
    Assignee: Persony, Inc.
    Inventors: Shenchang Eric Chen, Herbert Samuel Levitin
  • Patent number: 9773226
    Abstract: Disclosed are a system and a method for servicing a customized mobile content that can allow a user to easily download and use various mobile contents regardless of a type of his/her own terminal by: verifying user information by using metadata and a template that are stored in advance from information published by a content publishing institution, generating a mobile content suitable for types of the content publishing institution and a user terminal and transmitting the generated mobile content to the user terminal, downloading the mobile content through a program for the mobile content installed in the user terminal, and displaying the downloaded mobile content to the user.
    Type: Grant
    Filed: November 29, 2011
    Date of Patent: September 26, 2017
    Assignee: LG CNS CO., LTD.
    Inventor: Soon Taek Kang
  • Patent number: 9773243
    Abstract: A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment gateway that processes the track data to authorize purchase transactions. Discretionary data in a discretionary field of the track data may be compressed to create space that may be used to accommodate additional security data. The sensitive information may be moved to the discretionary field. The compressed discretionary data and the sensitive information may be encrypted using a structure preserving encryption algorithm and a managed encryption key. The managed encryption key or other additional security data may be added the discretionary field. Track data that has been modified in this way may be conveyed to the payment gateway for processing. The payment gateway may extract the key management data, decrypt the encrypted data, and reconstruct the original track data by decompressing the discretionary data and replacing the sensitive track data.
    Type: Grant
    Filed: February 15, 2012
    Date of Patent: September 26, 2017
    Assignee: Voltage Security, Inc.
    Inventor: Terence Spies
  • Patent number: 9760939
    Abstract: A method of downloading an electronic product to a pin-pad terminal involves the pin-pad terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the network gateway a transaction proposal response generated by the network gateway in response to the transaction proposal. The transaction proposal response includes a transaction pointer associated with the electronic product. The pin-pad terminal electronically directly transmits to an electronic cash register coupled to the pin-pad terminal an indication of a payment amount for the electronic product. The pin-pad terminal receives from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register, and transmits the transaction pointer to the network device via the network gateway. The pin-pad terminal receives the electronic product from the network device via the network gateway.
    Type: Grant
    Filed: February 27, 2015
    Date of Patent: September 12, 2017
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Bryan Michael Gleeson, Robert Hayhow, John Henry Dunstan
  • Patent number: 9760547
    Abstract: Methods, computer program products and systems are described for computer implemented online-content management. Multiple online content items authored by multiple authors for online publication are received at one or more first computers. For each online content item, a reputation score is determined for the author corresponding to the online content item. The reputation score is based at least in part on one or more reviews of the online content item provided by one or more reviewers other than the author. An online content item from the multiple online content items is published for display on one or more second computers, which includes displaying an advertisement in conjunction with displaying the online content item. A share of revenue for the author of the online content item for displaying the advertisement is determined based at least in part on the reputation score of the author.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: September 12, 2017
    Assignee: Google Inc.
    Inventors: William C. Brougher, Nathan Stoll, Sepandar D. Karnvar, Brian Axe, Christian Oestlien
  • Patent number: 9727862
    Abstract: Methods, systems, and devices are disclosed for using a payment processing network as an authorization engine to access secure physical areas, such as college dormitories, office buildings. A keycard with a cryptogram generator is presented by a user to an access device, and the access device or associated computer sends an access request message formatted like a payment authentication request message to an aggregator/acquirer and payment processing network. The payment processing network validates the cryptogram and returns an access response message, again formatted like a payment authorization response message, indicating that the keycard is authentic. The gate, door, turnstile, or other barrier is then temporarily unlocked to let the user through.
    Type: Grant
    Filed: May 8, 2013
    Date of Patent: August 8, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Craig O'Connell, Kevin E. Wong, Nancy Hilgers, Mark Nelsen
  • Patent number: 9721082
    Abstract: Computing devices having access control are disclosed. The computing device may include a display, one or more processors, a non-transitory storage media, a communication interface, and an operating system. The storage media may include instructions stored therein that are configured to be executed by the one or more processors. The stored instructions may include instructions for reading an identifier (ID) of a physical key via the communication interface. The stored instructions may additionally include instructions for determining whether the ID read from the physical key is included on a list of paired physical keys. The stored instructions may further include instructions to communicate to the operating system an authorization signal equivalent to input of a valid password when the ID read from the physical key is included on the list of paired physical keys.
    Type: Grant
    Filed: June 4, 2013
    Date of Patent: August 1, 2017
    Assignee: Mattel, Inc.
    Inventor: Robb Fujioka
  • Patent number: 9721237
    Abstract: Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.
    Type: Grant
    Filed: June 24, 2011
    Date of Patent: August 1, 2017
    Assignee: PAYPAL, INC.
    Inventor: Kenneth Kang
  • Patent number: 9710812
    Abstract: A method for providing social network payments includes receiving a request to make a payment. The request is associated with a social network payer and a social network payee. It is determined that the social network payer is associated with a first payment provider identifier and an authorization token, and a second payment provider identifier for the social network payee is then retrieved using the authorization token. An instruction to make a payment from the social network payer to the social network payee is then transmitted to a payment service provider. The instruction includes a payment amount, the first payment provider identifier, and the second payment provider identifier. A payment alert is also adapted for a payee social network associated with the social network payee, and the payment alert is send to a social network provider device associated with the payee social network.
    Type: Grant
    Filed: December 2, 2011
    Date of Patent: July 18, 2017
    Assignee: PayPal, Inc.
    Inventors: Thomas Anthony Doran, Dennis Warren Koo Tze Mew
  • Patent number: 9703937
    Abstract: A method, an information handling system (IHS), and a computer program product initiates injection verification to determine whether a key injection procedure to support automated system activation within a target IHS was completed successfully. An injection verification module (IVM) compares a copy of a selected and limited character sequence for a unique digital product key (DPK) utilized during key injection to a character sequence reported by an operating system (OS) image on a selected, target IHS. If the selected character sequence matches the reported character sequence, the IVM identifies the selected information handling system as a “passing” system on which the key injection procedure was successfully performed. If the selected character sequence for the unique DPK does not match the reported character sequence, the IVM identifies the selected information handling system as a “failing” system on which the key injection procedure was not successfully performed.
    Type: Grant
    Filed: April 10, 2013
    Date of Patent: July 11, 2017
    Assignee: Dell Products, L.P.
    Inventors: Thomas Vrhel, Benjamin Brian Harry
  • Patent number: 9704161
    Abstract: Techniques for providing information to a user without requiring the user to authenticate are described herein. In some instances, a user enters a payment identifier for the purpose of determining a fully-landed cost of one or more items. In response, a transaction processing service compares item details with information associated with the payment identifier and/or information about the owner of the identifier. The service may then provide this identifier-specific fully-landed cost to the user without requiring the user to authenticate or prove that she is the owner of the payment identifier.
    Type: Grant
    Filed: June 27, 2008
    Date of Patent: July 11, 2017
    Assignee: Amazon Technologies, Inc.
    Inventors: Isaac Oates, Sherman Lo, Adam Ebel
  • Patent number: 9697517
    Abstract: A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer provides a credit card by specifying customer data such a nickname for the credit card, a billing address, a billing phone number, a credit card company that issued the credit card, etc., as well as credit card data such as a credit card number, a credit card expiration date, a credit card service code, etc. The customer data may be received and stored at a merchant server, while the credit card data may be received and stored at a separate token server, which generates a token to represent the credit card data. The token may be stored at the merchant server and used to access the credit card data from the token server.
    Type: Grant
    Filed: October 3, 2014
    Date of Patent: July 4, 2017
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Chambers, Anthony Martin, Dana R. Guild
  • Patent number: 9672519
    Abstract: A computing device having a software radio (e.g., a mobile device where the software radio is substantially defined in software) transmits first information related to a financial transaction over the first radio network to the financial institution, and transmits second information related to the financial transaction over the second radio network to the financial institution. A server of the financial institution receives the first information and the second information to carry out the financial transaction.
    Type: Grant
    Filed: June 8, 2012
    Date of Patent: June 6, 2017
    Assignee: FMR LLC
    Inventors: Boris Olegovich Kalinichenko, Joseph G. Ferra
  • Patent number: 9646304
    Abstract: The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.
    Type: Grant
    Filed: July 17, 2006
    Date of Patent: May 9, 2017
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: William Frederick Mann, III, Jeffrey L. Hirka
  • Patent number: 9563751
    Abstract: The different advantageous embodiments provide a system for managing license utilization comprising a client system, a number of message transport servers, and a number of license management servers. The client system is configured to generate a number of messages having information about usage associated with a project code or a business unit. The number of message transport servers replicates the number of messages. The number of messages is transmitted to a message transport server in the number of message transport servers. The message transport server receiving the number of messages replicates the number of messages to each message transport server. The number of license management servers has a number of license management services configured to listen for updates from the number of message transport servers. The updates are the number of messages replicated across the number of message transport servers.
    Type: Grant
    Filed: October 13, 2010
    Date of Patent: February 7, 2017
    Assignee: THE BOEING COMPANY
    Inventor: Richard Jesse Dickson