Patents Examined by Mohammad A Nilforoush
  • Patent number: 12067570
    Abstract: Provided is a system, method, and computer program product for predicting a specified geographic area of a user. The method includes receiving transaction data associated with a plurality of transactions during a predetermined time interval. The method also includes generating a geographic area prediction model based on the transaction data by determining a verified geographic area for each user, and determining transaction data associated with a plurality of transactions involving each user for a plurality of feature vector parameters, training the geographic area prediction model based on the plurality of feature vector parameters for the verified geographic area for each user, and validating the geographic area prediction model based on the plurality of feature vector parameters for the verified geographic area for each user.
    Type: Grant
    Filed: February 23, 2018
    Date of Patent: August 20, 2024
    Assignee: Visa International Service Association
    Inventors: Mahashweta Das, Hao Yang
  • Patent number: 12063291
    Abstract: Devices and circuitry for computing hash values.
    Type: Grant
    Filed: September 10, 2020
    Date of Patent: August 13, 2024
    Assignee: Coinbase, Inc.
    Inventors: Veerbhan Kheterpal, Daniel Firu, Nigel Drego
  • Patent number: 12056685
    Abstract: A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: August 6, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Patent number: 12045807
    Abstract: Method, system, and computer program product for executing cryptocurrency transactions. A request to execute a transaction related to a first cryptocurrency token is received by a secure ledger network. The secure ledger network executes a smart contract validated thereby and determining at least one rule for performing the transaction. Execution of the transaction comprising determining a price of the first cryptocurrency token and/or an amount of at least one of the first cryptocurrency token and another cryptocurrency token obtained in exchange of one another, based on a group of parameters comprising: a total amount (Tt) of the first cryptocurrency token in circulation, a total reserve (Tr) of the other cryptocurrency token in a reserve, and a reserve ratio constant (Rr) predefined as a ratio between the total reserve and a token market cap. A secure ledger maintained by the secure ledger network is updated about completion of the transaction.
    Type: Grant
    Filed: February 6, 2023
    Date of Patent: July 23, 2024
    Assignees: Bprotocol Foundation, Localcoin Ltd.
    Inventors: Eyal Hertzog, Guy Ben Artzi, Galia Benartzi, Yehuda Levi
  • Patent number: 12039522
    Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.
    Type: Grant
    Filed: February 6, 2023
    Date of Patent: July 16, 2024
    Assignee: GOOGLE LLC
    Inventors: Varouj Chitilian, Sashikanth Chandrasekaran, Denise Ho, Zhihong Xu, William Hartley Setchell, Phalachandra Sreepada Bhat
  • Patent number: 12033137
    Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.
    Type: Grant
    Filed: August 17, 2023
    Date of Patent: July 9, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Chandan Garg, Jaipal Singh Kumawat
  • Patent number: 12019703
    Abstract: A method includes receiving, on a computer-implemented system and from user, an identification of data and an identification of an algorithm and, based on a user interaction with the computer-implemented system comprising a one-click interaction or a two-click interaction. Without further user input, the method includes dividing the data into a data first subset and a data second subset, dividing the algorithm (or a Boolean logic gate representation of the algorithm) into an algorithm first subset and an algorithm second subset, running, on the computer-implemented system at a first location, the data first subset with the algorithm first subset to yield a first partial result, running, on the computer-implemented system at a second location separate from the first location, the data second subset with the algorithm second subset to yield a second partial result and outputting a combined result based on the first partial result and the second partial result.
    Type: Grant
    Filed: June 13, 2022
    Date of Patent: June 25, 2024
    Assignee: TRIPLEBLIND HOLDING COMPANY
    Inventors: Greg Storm, Riddhiman Das, Babak Poorebrahim Gilkalaye
  • Patent number: 12002022
    Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: June 4, 2024
    Assignee: Toast, Inc.
    Inventors: Alan Z. Zhao, Benjamin C. W. Tang
  • Patent number: 11995655
    Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, based on the payment card device being presented at a terminal, initiating, by a security chip of the payment card device, a timer and then based on the timer being unexpired, capturing, by a biometric sensor of the payment card device, a biometric image and verifying, by the security chip, the captured biometric image against reference biometric data stored the payment card device. The method also includes, based on the captured biometric image being verified, cooperating, by the security chip, with the terminal, to initiate a transaction to an account using a first account number specific to a biometric application of the payment card device.
    Type: Grant
    Filed: December 19, 2022
    Date of Patent: May 28, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jean-Paul Edmond Rans, Sumeet Bhatt
  • Patent number: 11991176
    Abstract: A method between an end-point networked device of a sending user (SU) and an end-point networked device of a receiving user (RU) is provided that includes registering the end-point device of the SU in the networked database by issuance of a Unique ID (UID) for the end-point device of the SU. The SU enters information into the end-point device of the SU and supplies the UID to the RU. The RU enters the UID into the end-point device of the RU, a web browser, or another end-point device database interface to generate a query requesting the information from the end-point device of the SU. The information is transmitted to the end-point device of the RU, the web browser or the other end-point device database interface. A material or other request is completed based on the information. A system is also provided that facilitates the aforementioned methods.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: May 21, 2024
    Inventor: Dmitri Dozortsev
  • Patent number: 11972431
    Abstract: Systems and methods include registering use of a virtual certification number (VCN) at a secure entity by receiving, at an external gateway, a registration request comprising an external request code and a primary account number (PAN), wherein the external request code is unique to the secure entity, determining that the external request code is an unregistered external request code, receiving a tokenized PAN based on the PAN, receiving an account identifier by applying the tokenized PAN to a certification mechanism tool application programing interface (API), generating a certification mechanism reference identifier by encrypting a certification mechanism associated with the account identifier and the tokenized PAN, updating a database to associate the certification mechanism reference identifier with the external request code, and transmitting, via the external gateway, a registration authentication to an external entity, the registration authentication comprising the external request code.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: April 30, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kelly Jo Brown, Jesse Emery, Jonathan Blocksom, Swapna Mandala, Todd Safford, Victoria Yang, Brian Glowniak, Edward Husa, Calvin Sun, Audrey Zhang
  • Patent number: 11961598
    Abstract: A method for predicting errors in prescription claim data is performed by a claim analysis device. The method includes extracting historical claim features from successfully processed historical claims received from the data warehouse system. The method includes extracting pending claim features from a pending claim. The method includes applying a binarization process on the extracted historical claim features to obtain a binarized training feature set. The method includes applying the binarization process on the extracted pending claim features to obtain a binarized pending feature set. The method includes calculating an aggregate distance between the binarized pending feature set and the binarized training feature set. The method includes identifying the historical claim associated with the least aggregate distance as a predictive historical claim.
    Type: Grant
    Filed: June 26, 2020
    Date of Patent: April 16, 2024
    Assignee: Express Scripts Strategic Development, Inc.
    Inventors: Morgan J. Finley, Garret L. Anderson, Camille Patel, Michael Nassar, Siju Vattakunnumpurath Eugin, Daniel Owens
  • Patent number: 11961078
    Abstract: Architecture and methods may be provided to enable a user to authenticate and complete a cardless transaction at a point-of-sale (“POS”) device. The POS device may include a keypad configured to receive a sequence of keypresses. The POS device may also include a processor configured to record the sequence of keypresses and tag each keypress with a time-stamp. The POS device may include a keypress controller configured to determine from the sequence of keypresses, a number of keypresses, a frequency of each keypress and a time-delay between each keypresss. The sequence of keypresses may be transmitted to a secure transaction network and, using a machine-learning pattern identifier, be configured to identify a pattern to the sequence of keypresses based off of the determined number of keypresses, the frequency and time-delay and then further verify that the pattern matches to a stored pattern to authenticate the cardless transaction.
    Type: Grant
    Filed: July 25, 2023
    Date of Patent: April 16, 2024
    Assignee: Bank of America Corporation
    Inventor: Saurabh Gupta
  • Patent number: 11941610
    Abstract: The present disclosure provides a cryptocurrency securing system and a cryptocurrency securing method thereof. The system receives a cryptocurrency transaction information from a user device, and determines whether a policy data corresponding to the cryptocurrency transaction information is legal. When the policy data corresponding to the cryptocurrency transaction information is legal, the system derives a cryptocurrency private key information via a personal identification number of the user device. The system then encrypts the cryptocurrency transaction information via the cryptocurrency private key information for deriving an encrypted cryptocurrency transaction information, and broadcasts the encrypted cryptocurrency transaction information to a blockchain network.
    Type: Grant
    Filed: July 12, 2019
    Date of Patent: March 26, 2024
    Assignee: CIRCLE INTERNET FINANCIAL, LTD
    Inventors: Chi-Huang Fan, Chien-Yang Hsu, Ming-Chang Shih
  • Patent number: 11941607
    Abstract: Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: March 26, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kevin Osborn, Wayne Lutz
  • Patent number: 11943231
    Abstract: Systems and methods for token processing are disclosed. An access device can provide access device data to a mobile communication device. The communication device generates a token request including the access device data and communication device data and sends the token request to a server computer. The server computer returns a token and a token cryptogram to the mobile communication device. The token and the cryptogram may be used in a transaction.
    Type: Grant
    Filed: June 16, 2021
    Date of Patent: March 26, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Veeresh Kinagi
  • Patent number: 11935092
    Abstract: Example methods, apparatuses, and systems are presented that allows a user to make a secure purchase online, directly through accessing an online advertisement and without being redirected to multiple, cumbersome webpages to process different pieces of information to complete the transaction, while still leveraging existing e-commerce entities, such as existing payment platforms and existing ad/content networks. The present system includes a commerce ads engine (CA engine) that interfaces with the user through an app associated with the CA engine, a tokenization platform for authentication of the user, and a merchant providing relevant offer and check out information about a product being advertised in an online ad.
    Type: Grant
    Filed: October 20, 2022
    Date of Patent: March 19, 2024
    Assignee: TBOL, Inc.
    Inventor: Shaunt M. Sarkissian
  • Patent number: 11915208
    Abstract: Various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. A match between the stored image and the check indicates that no alteration of the check has occurred.
    Type: Grant
    Filed: May 12, 2022
    Date of Patent: February 27, 2024
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Colin Hart, Jason Ji, Kaitlin Newman
  • Patent number: 11900347
    Abstract: A server computing device receives a first transaction request comprising computer-readable content and metadata for the content. The server computing device generates a first hash based upon the metadata. The server computing device then generates a second hash based upon the first hash and a content identifier that has been generated for the content. The server computing device causes a block to be added to a blockchain, the block comprising the second hash, wherein a transaction identifier is produced as a result of the addition of the block. The server computing device receives, from a second computing device, a second transaction request that comprises an identifier for the computer-readable content. The server computing device provides the second computing device with access to the content based upon the identifier for the content, the block in the blockchain, and the transaction identifier.
    Type: Grant
    Filed: March 27, 2020
    Date of Patent: February 13, 2024
    Inventors: Scott York, Scott Caesar, Sam Babic
  • Patent number: 11874820
    Abstract: A consensus method for a blockchain based on a Byzantine fault tolerance algorithm, includes: initiating, by a first consensus node of a consortium blockchain, a consensus proposal comprising a first proposal digest generated based on a first last block hash maintained by the first consensus node; in response to the consensus proposal, generating, by a second consensus node of the consortium blockchain, a second proposal digest based on a second last block hash maintained by the second consensus node; and not participating in, by the second consensus node, a consensus on the consensus proposal if it is detected that the first proposal digest does not match the second proposal digest.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: January 16, 2024
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventor: Xiaojun Liao