Patents Examined by Marla Hudson
  • Patent number: 10997577
    Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.
    Type: Grant
    Filed: November 6, 2017
    Date of Patent: May 4, 2021
    Assignee: PAYPAL, INC.
    Inventors: Adhish Nayanendu Vyas, Vidit Nayankumar Maniyar
  • Patent number: 10963873
    Abstract: Systems and methods are provided for use in distributing one or more services to edge devices in a payment network and for monitoring distributed processing devices associated with the payment network by a network of nodes of the payment network. One exemplary method includes receiving, at a first node of the network of nodes, a request for data from a client and identifying, by the first node, a second node as including the data. The method also includes forwarding the request for the data to the second node, and providing the data to the client, by the first node, in response to the request, upon receipt of the data from the second node, whereby the network of nodes fulfills the request for the data even when the data is included in the second node and the request is received at the first node.
    Type: Grant
    Filed: April 14, 2017
    Date of Patent: March 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Proctor, Daniel E. Moore
  • Patent number: 10922680
    Abstract: A method of processing card number data and device including: determining, according to an expiration time corresponding to a card number, a table set corresponding to the card number, and including card number information corresponding to the card number into at least one card number storage table of the table set, wherein the table set comprises a plurality of card number storage tables, each table set corresponds to an expiration time, the expiration time corresponding to all card numbers in the table set is the same as the expiration time corresponding to the table set, and the card number information includes the card number and card number associated data; and after reaching an expiration time corresponding to a table set, performing a cleaning operation on all card number information in the table set. The provided method and device can increase cleaning and maintenance efficiency and reduce maintenance costs.
    Type: Grant
    Filed: December 20, 2016
    Date of Patent: February 16, 2021
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Bin Liu, Jianzhao Wu, Yisheng Fu, Guizhi Shi
  • Patent number: 10885517
    Abstract: There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. The communication device may provide transaction processing services through the application in an offline environment by utilizing a preloaded digital token having encrypted data, for example, where the communication device loses network connectivity. The encrypted data may include information necessary to resolve transaction processing by a merchant device receiving the token from the communication device. Moreover, the encrypted data may include limitations on use of the token for transaction processing, such as location limitations and/or transaction amount or time limits.
    Type: Grant
    Filed: August 15, 2016
    Date of Patent: January 5, 2021
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin