Patents Examined by Matthew Cobb
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Patent number: 12358422Abstract: A vehicle control device including: a memory; and a processor coupled to the memory, the processor being configured to: set, based on a vehicle speed, a transition condition of a turning angle of a tire for canceling a turn signal, and in a case in which the turning angle of the tire satisfies the transition condition that has been set, due to a steering wheel being steered while the turn signal is in an on state, carry out control to switch the turn signal to an off state.Type: GrantFiled: April 13, 2023Date of Patent: July 15, 2025Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHAInventors: Toshihiko Kosugi, Wataru Kusama
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Patent number: 12361486Abstract: Various implementations directed to price time priority queue routing for tolling capacity on roadways, shipping lanes and air traffic zones over curb, sidewalk, roadway, air space, outer space, waterborne space and parking capacity units are provided. Implementations of various methods and systems to transform navigation routes with two waypoints or a destination waypoint or a series sequence of waypoints into objects which have associated price-time priority queues or other prioritizations for transformed toll and congestion capacity units and toll and congestion capacity unit specifications. The present disclosed invention relates to combining the concepts of objected oriented programming, market price queues, navigation systems and social networking and toll and congestion capacity as a fungible asset class or toll and congestion capacity as an open market with trading and securitization transformations.Type: GrantFiled: October 28, 2020Date of Patent: July 15, 2025Assignee: CIRCLESX LLCInventor: Erik Mowery Simpson
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Patent number: 12346987Abstract: Various implementations directed to price time priority queue routing for transportation capacity units are provided. In one implementation, a method may include receiving origin location data and destination location data. The method may also include generating routes based on the origin location data and the destination location data. The method may further include determining virtual hubs along the routes, where the virtual hubs include a first virtual hub based on the origin location data and a second virtual hub based on the destination location data. The method may additionally include receiving travel cost data for the routes for geolocation exchange units. In addition, the method may include receiving market depth data for a geolocation exchange for the geolocation exchange units based on the routes. The method may also include selecting an optimized route of the routes for the geolocation exchange units based on an objective function.Type: GrantFiled: October 13, 2020Date of Patent: July 1, 2025Assignee: CIRCLESX LLCInventor: Erik Mowery Simpson
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Patent number: 12340351Abstract: Systems and methods are provided for cancelling or closing requests. One example computer-implemented method includes receiving, by a computing device, from a service provider, a request indicative of a payment action by a third party and issuing a first technical acknowledgment to the service provider including a unique identifier for the payment action. The method also includes forwarding, by the computing device, the request to the third party and receiving, from the third party, a confirmation advise including a status specific to the request. Then, the method includes receiving, by the computing device, an end request including the unique identifier specific to the request and, in response to the end request, changing the status of the request to cancelled or closed and forwarding the end request to the third party.Type: GrantFiled: September 16, 2022Date of Patent: June 24, 2025Assignee: VOCALINK INTERNATIONAL LIMITEDInventors: An Ni Tan, Emma Rayment, Debarshi Debnath
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Patent number: 12340370Abstract: Disclosed herein are methods and systems for multi-platform authentication of electronic devices. One method involves a processor monitoring data related to the execution of an initial authentication request for a user via a first electronic platform. Subsequently, the processor receives, via the first platform, a request to complete a second authentication request by a second electronic platform, which corresponds to a multi-factor authentication. Upon receiving a first factor authentication purportedly authenticating the identity of the user, the processor generates second factor authentication information based on the monitored data. A message containing both first and second factor authentication details is then generated and transmitted to the second electronic platform. Upon receiving a positive authentication result from the second electronic platform, confirming the user's identity authentication.Type: GrantFiled: April 18, 2024Date of Patent: June 24, 2025Assignee: Stripe, Inc.Inventor: Girish Balasubramanian
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Patent number: 12333521Abstract: Embodiments are directed to using an NFC capable portable device to conduct a transaction at a resource provider location. The portable device (e.g., a wearable device, a physical token) may be temporarily associated with a user account at the resource provider location. The resource provider location includes one or more terminals that are configured to generate a list of items (e.g., items picked by the user) to be associated with the portable device. At checkout, the user surrenders the portable device, items on the list get automatically charged to the user account, and the user leaves the resource provider location. All communication between terminals, portable device and the resource provider computer occurs over a closed, local area network. Among the terminals, portable device and the resource provider computer, the resource provider computer is the only device configured to communicate with external entities over an external network.Type: GrantFiled: December 23, 2022Date of Patent: June 17, 2025Assignee: Visa International Service AssociationInventor: John Markh
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Patent number: 12321943Abstract: An approach for locating suspect patterns of transactions in a financial network may be provided. The approach may include generating a transaction graph for a financial network by processing transaction data defining transfers between accounts in that network. The approach may include modifying the transaction graph to include synthetic suspect transaction patterns at multiple locations in the graph and extracting subgraphs from the transaction graph. The approach may include training a graph neural network model to classify subgraphs containing a synthetic suspect transaction pattern as suspect. The approach may also include locating suspect transaction patterns in a new financial network by generating a new transaction graph for that network and classifying a subgraph of the new financial network as suspect.Type: GrantFiled: January 4, 2022Date of Patent: June 3, 2025Assignee: International Business Machines CorporationInventors: Andrea Giovannini, Tamas Visegrady
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Patent number: 12321933Abstract: Disclosed embodiments may include a system for generating aggregate records. The system may retrieve data corresponding to a first user. The system may receive, from the first user, first sharing preference(s) associated with a second user. The system may extract first data subset(s) from the data based on the first sharing preference(s). The system may generate block(s) of a blockchain ledger. The system may append the first data subset(s) to at least a first block of the block(s) of the blockchain ledger. The system may provide the second user with access to the first data subset(s) on the at least first block.Type: GrantFiled: August 9, 2022Date of Patent: June 3, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Lin Ni Lisa Cheng, John Fields, Wade Rance, Alexis Howard
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Patent number: 12314954Abstract: The present disclosure provides a multi-factor authentication system for self-service energy replenishing and method thereof. A user may acquire a multi-factor authentication service by an application for experiencing a convenient and safe self-service energy replenishing service. During the registration stage, registration stage upon the user logging into the application of the multi-factor authentication system, the user may complete tasks of identity authentication, account setup (such as obtain a membership of the energy replenishing station), and obtain permission of use for the account, thereby enabling the user to access services provided by the multi-factor authentication service platform.Type: GrantFiled: July 5, 2024Date of Patent: May 27, 2025Inventor: Chih-Chun Wang
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Patent number: 12288215Abstract: Systems and methods for multidimensional transaction pattern tracking and prediction are provided. A method includes detecting a series of transactions associated with a remote user device and generating a multidimensional transactional profile. Generating the multidimensional transactional profile may involve a first ML model generating a first score representing a first dimension, and a second ML model generating a second score representing a second dimension. The method also includes selecting weightings for the scores, and combining the weighted scores to create the multidimensional transactional profile. The method also includes generating a list of recommended transactional activities and a list of flagged transactional activities, transmitting the list of recommended transactional activities to the remote user device, and detecting additional transactions originating from the account associated with the remote user device.Type: GrantFiled: December 1, 2022Date of Patent: April 29, 2025Assignee: Bank of America CorporationInventors: Gilbert Gatchalian, Kevin A. Delson, Pratap Dande
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Patent number: 12277544Abstract: A system for system for dynamic card identifier based transactions is disclosed. The system may receive a transaction authentication request. The system may generate a first dynamic card identifier (DCID) in response to the transaction authentication request. The system may authenticate a transaction based on the first DCID. The system may execute the transaction in response to the authenticating. In various embodiments, the system may generate a second DCID in response to executing the transaction.Type: GrantFiled: October 9, 2019Date of Patent: April 15, 2025Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Bob Rosseau, Paul D. Fabara
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Patent number: 12229771Abstract: The present disclosure includes an account binding method. In the method, an account addition page is presented in a first application that is currently logged into using an application account of the first application. Information acquisition instruction carrying user identity information in an encrypted form is transmitted to an account provider system, in response to an account addition instruction triggered. A to-be-bound account that is associated with the user identity information and acquired and fed back by the account provider system is received. The received to-be-bound account is displayed on a gateway page of the account provider system. Also, binding between the application account of the first application and the to-be-bound account is performed, when the displayed to-be-bound account is confirmed by a user operation of the gateway page.Type: GrantFiled: February 24, 2022Date of Patent: February 18, 2025Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventor: Shuzhen Wu
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Patent number: 12190325Abstract: In one embodiment, a method includes receiving, from a receiver processor, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, the request including publicly routable account credentials of a virtual bank account (VBAN) generated by the receiver processor, the VBAN being associated with the receiving entity, the user, and a stored value balance of an external resource account generated by a receiver financial entity associated with the user, retrieving, from a VBAN database, a transaction resource configuration of the VBAN decoupled from the external resource account, determining whether parameters of the transaction resource configuration are satisfied based on metadata associated with the request, and transmitting, to the external server, a transaction authorization response indicating whether the transaction is authorized to cause the stored value balance to be reduced based on the transfer of resources.Type: GrantFiled: October 2, 2023Date of Patent: January 7, 2025Assignee: Lithic, Inc.Inventors: Jason William Kruse, Kamil Sindi, Jonathan Andrew Oei, Zhengyang Cong
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Patent number: 12190383Abstract: Methods and systems for user definable prioritization of market information are disclosed. An example method to prioritize market information displayed in a window within a trading interface includes updating the market information displayed in the window at a first frequency, wherein the first frequency is to correspond to a first window priority. The example method also includes, based on a trigger activation, assigning a second window priority to the window, wherein the second window priority is to cause the market information displayed in the window to update at a second frequency, the second frequency different from the first frequency.Type: GrantFiled: November 15, 2023Date of Patent: January 7, 2025Assignee: Trading Technologies International, Inc.Inventors: Scott F. Singer, Brian J. Buck
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Patent number: 12182820Abstract: Provided is a system, method, and computer program product for determining a pseudo-identity score in a virtual environment based on a blockchain network. The system includes at least one processor programmed or configured to identify a pseudo-identity in a virtual environment based on a blockchain address on a blockchain network, the pseudo-identity corresponding to the blockchain address, determine an age of the pseudo-identity, determine a measure of activity of the pseudo-identity based on transactions conducted by the pseudo-identity in the virtual environment, determine a pseudo-identity score based at least partially on the age of the pseudo-identity and the measure of activity of the pseudo-identity, and process a request generated by the pseudo-identity in the virtual environment based on the pseudo-identity score.Type: GrantFiled: December 6, 2022Date of Patent: December 31, 2024Assignee: Visa International Service AssociationInventor: John Markh
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Patent number: 12141764Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.Type: GrantFiled: October 30, 2023Date of Patent: November 12, 2024Assignee: United Services Automobile Association (USAA)Inventors: Dorothy Jean Bolt, Michael L Hertz, Joseph Matthew Doddato, Gunjan C. Vijayvergia, James Malcolm Spears
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Patent number: 12118556Abstract: An example operation may include one or more of receiving, by a blockchain node of a permissioned blockchain network, a request to transfer an asset from an asset provider to an asset requester, determining the request is valid, and in response validating one or more of an asset requester and an asset provider associated with the request, determining a risk exposure associated with the request is acceptable and generating a blockchain transaction to a public blockchain network to transfer the asset.Type: GrantFiled: September 5, 2018Date of Patent: October 15, 2024Assignee: International Business Machines CorporationInventors: Pralhad Dinesh Deshpande, Muhammad Tayyab Asif
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Patent number: 12118553Abstract: Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message.Type: GrantFiled: June 12, 2023Date of Patent: October 15, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Cruz Vargas, Michael Mossoba, Jeffrey Rule
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Patent number: 12067564Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.Type: GrantFiled: September 6, 2023Date of Patent: August 20, 2024Assignee: Capital One Services, LLCInventors: Tyler Maiman, Daniel Miller, Jenny Melendez, Viraj Chaudhary, David Septimus, Joshua Edwards, Samuel Rapowitz
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Patent number: 12067538Abstract: In one embodiment, techniques include a method of handling transactions for a pack of security assets. The method includes identifying a subset of a set of security assets for inclusion in the pack of security assets to be recommended to a user based on an analysis of one or more criteria associated with the user. The method includes causing an electronic device to display a user interface to facilitate a purchase of the pack. The method includes, in response to determining a user selection corresponding to a request to purchase the pack and a specified value of currency: calculating a number of base units of each security asset based on the existing value of a base unit of each security asset, including a fractional portion of the base unit; and assigning, for each security asset, ownership of the calculated number of base units of each security asset to the user.Type: GrantFiled: November 4, 2022Date of Patent: August 20, 2024Assignee: Block, Inc.Inventors: Ashutosh Sham Dhodapkar, Brian Grassadonia