Patents Examined by Mohammad A Nilforoush
  • Patent number: 11488166
    Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.
    Type: Grant
    Filed: January 2, 2019
    Date of Patent: November 1, 2022
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Kevan Emmott, Michael Mossoba
  • Patent number: 11481778
    Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.
    Type: Grant
    Filed: October 6, 2016
    Date of Patent: October 25, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Matthew Randolph Molnar, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 11481808
    Abstract: Systems, methods, and apparatuses for identifier matching and management are described herein. In various embodiments, the system includes a distributed architecture for receiving and matching public and secure identifiers associated with a particular consumer. In particular embodiments, the system uses the matched public and secure identifiers to transmit one or more messages to the particular consumer.
    Type: Grant
    Filed: February 9, 2015
    Date of Patent: October 25, 2022
    Assignee: Cardlytics, Inc.
    Inventors: Jeffrey Chelko, Julio Farach, Scott Grimes, Joseph Schab, Jacob Warhaftig
  • Patent number: 11481086
    Abstract: The systems and methods described herein are directed toward launching a third party application in a media center module using a contextual link. The media center module is configured to enable the third party application to register with the module and to associate a contextual link corresponding to the third party application with a context provided by the media center module. In response to a request for information related to the context, the media center module is configured to direct to a location associated with the contextual link. The media center module is further configured to provide to the location data that identifies the context. In response to the provided data, the location is populated with the requested information. Thus, the use of conditional link enables a third party application to register to be a context handler for a media center module.
    Type: Grant
    Filed: September 11, 2015
    Date of Patent: October 25, 2022
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Hugh Christopher Vidos, Dean Wayne Talley, David Ethan Zoller
  • Patent number: 11477013
    Abstract: Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for managing a cryptographic key. One of the methods includes: receiving a request for a signature on transaction data; allocating a key manager corresponding to the request; and obtaining, by the key manager, the signature on the transaction data and the cryptographic key, wherein the cryptographic key is a public key, and the signature on the transaction data is obtained based on a private key corresponding to the public key.
    Type: Grant
    Filed: November 17, 2020
    Date of Patent: October 18, 2022
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventor: Jiayi Shao
  • Patent number: 11475106
    Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable media for enforcing application usage policies. As part of an application purchase transaction, the application distributor creates a unique proof of purchase receipt. This receipt can be bundled with the application and delivered to the purchaser. Each machine can maintain an authorization file that lists the users authorized to use applications on that machine. A system configured to practice the method verifies that a user is authorized to use an application on a machine based on an application proof of purchase receipt and the authorization file. If the application proof of purchase receipt and the authorization file are both valid, the system checks if the user account identifier in the receipt is contained in the authorization file. If so, the user can be considered authorized to use the application on the machine.
    Type: Grant
    Filed: October 31, 2018
    Date of Patent: October 18, 2022
    Assignee: Apple Inc.
    Inventors: Jean-Pierre Ciudad, Augustin J. Farrugia, David M'Raihi, Bertrand Mollinier Toublet, Gianpaolo Fasoli, Nicholas T. Sullivan
  • Patent number: 11461784
    Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.
    Type: Grant
    Filed: December 2, 2019
    Date of Patent: October 4, 2022
    Assignee: Raise Marketplace, LLC
    Inventors: Josh K. Metnick, Conrad Hancock Barski
  • Patent number: 11461760
    Abstract: Systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems are disclosed. A mobile communication device may display an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted.
    Type: Grant
    Filed: December 20, 2017
    Date of Patent: October 4, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: David William Wilson, John Francis Benedict Bourdillon, Christian Aabye
  • Patent number: 11461783
    Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.
    Type: Grant
    Filed: October 4, 2016
    Date of Patent: October 4, 2022
    Assignee: Raise Marketplace Inc.
    Inventors: Josh K. Metnick, Conrad Hancock Barski
  • Patent number: 11455858
    Abstract: In some examples, a system and method for activating a physical payment card are described. The method includes receiving from a mobile device of a user a request for a physical payment card and first state data indicating a state of the mobile device or an application executing on the mobile device at a time of the request. The physical payment card is mailed to the user. The mobile device reads an identifier on a surface of the container via a sensor of the mobile device and sends the identifier data and a second state data from the time of the reading. The identifier data is compared to a user identifier in a customer profile of the user and the second state data is determined to correspond to the first state data. The physical payment card is then automatically activated.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: September 27, 2022
    Assignee: Block, Inc.
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Patent number: 11430547
    Abstract: The technology disclosed relates to a system and method for assigning participants to groups in a clinical trial. The system includes a federated server configured with group assignability data specifying a plurality of groups assignable to participants in a clinical trial and group distribution data specifying distribution of the participants into groups. The groups include at least one placebo group and one or more treatment groups. The system includes an intervention server configured to generate group encryption keys for encrypting the group assignability data. The system includes edge devices of each of the participants. The edge devices are in communication with the federated server.
    Type: Grant
    Filed: August 11, 2021
    Date of Patent: August 30, 2022
    Assignee: Sharecare AI, Inc.
    Inventors: Srivatsa Akshay Sharma, Walter Adolf De Brouwer, Gabriel Gabra Zaccak, Chethan R. Sarabu, Devin Daniel Reich, Marina Titova, Andrés Rodríguez Esmeral
  • Patent number: 11423367
    Abstract: A method for secure approval of a check includes: reading a machine-readable code to obtain a block identifier and a validation value, wherein the machine-readable code is displayed on a physical check and encoded with the block identifier and validation value; receiving a digital signature from an external device; identifying a blockchain data value stored in a blockchain, wherein the blockchain data value includes at least the block identifier and an additional value; validating the received digital signature using a public key; validating the validation value based on a comparison of the validation value to the additional value; and approving use of the physical check to fund a payment transaction upon successful validation of the received digital signature and validation value.
    Type: Grant
    Filed: May 2, 2018
    Date of Patent: August 23, 2022
    Assignee: MASTERCARD INTERNATIOANL INCORPORATED
    Inventors: Ankur Arora, Avinash Kumar, Rakesh Patel
  • Patent number: 11418494
    Abstract: An electronic device includes a communication circuit that communicates with a server for issuing a mobile card, a secure element that stores the mobile card, a memory, and a processor that is electrically connected to the communication circuit, the secure element, and the memory, wherein the processor receives personal data required for authentication of a user corresponding to the mobile card and card data required for payment by the mobile card through the communication circuit from the server when the mobile card is provisioned, and stores, in the secure element, backup data including the personal data and the card data for backing up the mobile card.
    Type: Grant
    Filed: September 20, 2018
    Date of Patent: August 16, 2022
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Jun Kyoung Shin, Jong Hwan Kim, Sung Jun Kim
  • Patent number: 11410169
    Abstract: A method and a server computer are provided for authenticating a cardholder account. The server computer implements the method, which includes obtaining a first identifier and a cryptogram from a first entity, identifying an issuer associated with the cardholder account, forwarding the first account identifier and the cryptogram to a second entity for validation, receiving a second identifier from the second entity, and sending the second identifier to the first entity. The first identifier can be associated with the cardholder account. The second identifier can be generated by the second entity and associated with a validated form of the first identifier.
    Type: Grant
    Filed: February 22, 2019
    Date of Patent: August 9, 2022
    Assignee: Visa International Service Association
    Inventor: Oleg Makhotin
  • Patent number: 11410207
    Abstract: A method for dynamically evaluating a resource value is described. Data encoding one or more parameters related to the resource value is accessed, where the one or more parameters are monitored by a plurality of sensors that form an Internet of Things (IoT) and then released by the IoT of the plurality of sensors on a blockchain network. At least one parameter from the data is compared with a predetermined threshold value or a predetermined threshold range. In response to determining that the at least one parameter has exceeded the predetermined threshold value or the predetermined threshold range, a calculation of the resource value is triggered according to evaluation logic described by a smart contract released on the blockchain network in association with the one or more parameters being monitored, such that a consensus is reached on the blockchain network regarding the resource value that has been calculated.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: August 9, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Xinying Yang
  • Patent number: 11403630
    Abstract: An apparatus, system and methodology for conducting financial and other transactions using a wireless device are provided. A computing device includes a memory device that has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and an external electronic device. The memory device further stores an electronic credential. The computing device includes a wireless transceiver configured to wirelessly communicate with the external electronic device. The computing device further includes a biometric characteristic reader for reading a biometric characteristic of a user. The computing device wirelessly transmits the electronic credential to the external electronic device based on comparing the biometric characteristic of the user with stored biometric information to initiate a transaction with the external electronic device.
    Type: Grant
    Filed: December 8, 2014
    Date of Patent: August 2, 2022
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: Robin Dua
  • Patent number: 11397946
    Abstract: Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.
    Type: Grant
    Filed: May 30, 2018
    Date of Patent: July 26, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Avinash Kalgi, Qian Wang
  • Patent number: 11381566
    Abstract: Embodiments of the disclosure provide techniques for isolating network resources in a virtualized environment. A method is provided that includes identifying a security context data structure including a first security context label, a resource identifier and a plurality of access types. The first security context label is associated with a virtual machine. Each of the plurality of access types represents a type of access permitted to a resource associated with the resource identifier. The first security context label is associated with a network resource. A request to validate an access right of a client with respect to the network resource is received. The request comprises a second security context label associated with the client and the first security context label associated with the resource. The request is validated in view the first and second security context labels and the security context data structure.
    Type: Grant
    Filed: August 12, 2015
    Date of Patent: July 5, 2022
    Assignee: Red Hat, Inc.
    Inventor: Daniel Pierres Berrangé
  • Patent number: 11373736
    Abstract: A method performed by a processing system includes identifying a first node in a metadata tree of a patient that corresponds to an encrypted electronic health record in an encrypted data store and preventing a portion of the first node from being decrypted with a node key of a first healthcare participant in response to a second node of the metadata tree including key rotation information that indicates that the node key has been revoked by a second healthcare participant.
    Type: Grant
    Filed: September 12, 2012
    Date of Patent: June 28, 2022
    Assignee: Micro Focus LLC
    Inventors: Jun Li, Ram Swaminathan, Sharad Singhal
  • Patent number: 11373174
    Abstract: Systems and methods for facilitating transfer of ownership of tokens between users on a decentralized database stores a registry of assets and transactions are disclosed. Exemplary implementations may: store, on electronic storage, a set of code executable by the decentralized database to manifest individual tokens on the decentralized database; and record the set of code on the decentralized database such that the set of code is accessible at a creator address that is associated with the creator of the set of code. Using the functions defined by the set of code, an owner of an individual token can offer to sell the individual token, and a buyer can accept this offer to buy the individual token, at an agreed-upon price.
    Type: Grant
    Filed: February 5, 2019
    Date of Patent: June 28, 2022
    Assignee: Mythical, Inc.
    Inventors: Stephan Cunningham, Cameron Thacker, John Linden