Patents Examined by Mohammad A Nilforoush
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Patent number: 11363002Abstract: 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: GrantFiled: March 24, 2020Date of Patent: June 14, 2022Assignee: TripleBlind, Inc.Inventors: Greg Storm, Riddhiman Das, Babak Poorebrahim Gilkalaye
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Patent number: 11341488Abstract: Systems and methods described herein may generate a digital payment token associated with a payor-user indicating the status of a payment obligation of the payor-user. The systems and methods may generate a first block containing the digital payment token and append the first block to a blockchain. The systems and methods may receive a confirmation message from a third-party transaction server that the payor-user has either fully or partially fulfilled his or her payment obligation. Based upon the confirmation message, the systems and methods may retrieve the block containing the digital payment token and update the digital payment token to generate an updated digital payment token. The system and methods may generate a second block containing the updated digital payment token to supersede the first block and append the second block to the blockchain. The updated digital payment token may indicate that the digital payment token has expired.Type: GrantFiled: December 18, 2017Date of Patent: May 24, 2022Assignee: Northern Trust CorporationInventors: Justin Chapman, Andrew Czupek, Andrew Monks, Anthony Stevens, Arijit Das, Christopher Price, Wayne Hannaway, Zabrina Smith
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Patent number: 11341486Abstract: Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.Type: GrantFiled: May 21, 2018Date of Patent: May 24, 2022Assignee: BANK OF AMERICA CORPORATIONInventors: Udaya Kumar Raju Ratnakaram, Rajesh Balireddy, Pinak Chakraborty, Nagasubramanya Lakshminarayana
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Patent number: 11334890Abstract: A method for generating payment credentials in a payment transaction includes: storing, in a memory, at least a single use key associated with a transaction account; receiving, by a receiving device, a personal identification number; identifying, by a processing device, a first session key; generating, by the processing device, a second session key based on at least the stored single use key and the received personal identification number; generating, by the processing device, a first application cryptogram based on at least the first session key; generating, by the processing device, a second application cryptogram based on at least the second session key; and transmitting, by a transmitting device, at least the first application cryptogram and second application cryptogram for use in a payment transaction.Type: GrantFiled: December 2, 2014Date of Patent: May 17, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mehdi Collinge, Patrik Smets, Axel Emile Jean Charles Cateland
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Patent number: 11334856Abstract: 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: GrantFiled: November 21, 2018Date of Patent: May 17, 2022Assignee: Capital One Services, LLCInventors: Adam Vukich, Colin Hart, Jason Ji, Kaitlin Newman
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Patent number: 11334918Abstract: A server exchanges information between one or more wireless devices to complete a transaction. The server receives second device identifier information from a first wireless device using a wide area network. The second device identifier information was previously provided to the first wireless device using short range wireless communication. The server then uses the second device identifier information to determine additional information concerning an entity or object located in proximity to the second device, and then the server delivers information to the first wireless device based at least in part upon both (a) the second device identifier and (b) a current step in a multiple step process for an ongoing electronic commerce transaction.Type: GrantFiled: September 21, 2016Date of Patent: May 17, 2022Assignee: Proxicom Wireless, LLCInventors: James Arthur Proctor, Jr., James Arthur Proctor, III
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Patent number: 11321681Abstract: Systems and methods described herein may generate a digital payment token associated with a payor-user indicating the status of a payment obligation of the payor-user. The systems and methods may generate a first block containing the digital payment token and append the first block to a blockchain. The systems and methods may receive a confirmation message from a third-party transaction server that the payor-user has either fully or partially fulfilled his or her payment obligation. Based upon the confirmation message, the systems and methods may retrieve the block containing the digital payment token and update the digital payment token to generate an updated digital payment token. The system and methods may generate a second block containing the updated digital payment token to supersede the first block and append the second block to the blockchain. The updated digital payment token may indicate that the digital payment token has expired.Type: GrantFiled: December 18, 2017Date of Patent: May 3, 2022Assignee: Northern Trust CorporationInventors: Justin Chapman, Andrew Czupek, Andrew Monks, Anthony Stevens, Arijit Das, Christopher Price, Wayne Hannaway, Zabrina Smith
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Patent number: 11295302Abstract: A user computing device generates a token while the user computing device is in an offline mode and not connected to an external network. The token includes information of an amount of cryptocurrency to be transferred from a user account to a receiving account and information of a first password for enabling the transfer. The token is signed by the user computing device with a private key while in the offline mode and the signed token is stored by the user computing device on a portable device. A receiving device receiving the signed token from the portable user storage device, authenticates a user corresponding to the user account based on the signed token, receives a second password, compares the first and second passwords for enabling the transfer, and transfers the amount of cryptocurrency from the user account to the receiving account based on the information included in the token.Type: GrantFiled: December 16, 2015Date of Patent: April 5, 2022Assignee: International Business Machines CorporationInventors: Elli Androulaki, Andreas Kind, Ioannis Koltsidas
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Patent number: 11288736Abstract: Blockchain-based systems and methods related to creating and distributing cryptographically secure, digital tokens representing equity in assets corresponding to loan agreements. The system may comprise a transaction interface portal configured to collect and manage information pertaining to the origination of a loan agreement or a token transaction agreement. The system may include an underwriting smart contract configured to autonomously verify the value of an asset corresponding to a loan origination based at least partially on information not originating on the blockchain. The system may deliver tokens through a programmable escrow wallet configured to deliver tokens to buyers upon the satisfaction of encoded regulatory criterion. The system may be configured to determine the price of one or more tokens before delivery and adjust the price based at least on the appreciating value of the assets corresponding to the loan agreements and the number of tokens retired by the system.Type: GrantFiled: April 2, 2019Date of Patent: March 29, 2022Assignee: Homium, LLCInventors: David Jette, Brett Markinson
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Patent number: 11257074Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.Type: GrantFiled: September 29, 2015Date of Patent: February 22, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Gyan Prakash, Ajit Gaddam, Selim Aissi, Christian Aabye
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Patent number: 11257072Abstract: A payment reader and a POS terminal may communicate over a wireless connection. The methods and systems include monitoring one or more parameters corresponding to a payment reader and another device in proximity to POS terminal. The POS terminal, through a set of customized instructions, determines whether behavior of the second device substantially corresponds to the first device, in order to detect suspected hardware or software intrusion associated with the secure device. On successful detection of a suspected intrusion, the POS terminal generates an alert for a user of the first device if illegal intrusion is suspected by the processor.Type: GrantFiled: March 29, 2018Date of Patent: February 22, 2022Assignee: Square, Inc.Inventor: Todd A. Aument
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Patent number: 11250391Abstract: Embodiments are directed to a method comprising, obtaining, by a first device, a first token, the first token associated with an amount of funds and a funds availability starting date. After the first token is obtained by the first device, the first device generates a second token linked to the first token and second token generation data. The second token generation data may include evidence that the second token was generated by the first device, and not another device. The second token generation data could be a first device identifier and the second token generation details, or could be a hashed value of the first device identifier and the second token generation details. The method also includes provisioning, by the first device, the second token and the second token generation data to the second device.Type: GrantFiled: January 29, 2016Date of Patent: February 15, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Yaasha Sabba, Jordan Scheinfield
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Patent number: 11250481Abstract: 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: GrantFiled: February 3, 2020Date of Patent: February 15, 2022Assignee: Advanced New Technologies Co., Ltd.Inventor: Xinying Yang
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Patent number: 11240287Abstract: The present invention provides a method, Web server and computer system for converging a desktop application and a Web application. The method may comprise: in response to a request from a client user for using a target desktop application, starting a desktop application initialization process on the Web server and determining an appropriate corresponding hosting server for the user; preparing and provisioning desktop application environment on the corresponding hosting server and starting the target desktop application; transmitting the corresponding hosting server's address to the client so as to make desktop application interaction between the client and the corresponding hosting server; and in response to the completion of the desktop application interaction, stopping and exiting the target desktop application on the corresponding hosting server.Type: GrantFiled: August 28, 2008Date of Patent: February 1, 2022Inventors: Ying Chen, Xing Fang, Jie Qiu, Qing Bo Wang, Meng Ye
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Patent number: 11238443Abstract: A Point-Of-Sale (POS) terminal is equipped to process crypto currencies for transactions. The POS terminal generates a transaction-based digital wallet for a given transaction to receive a crypto currency payment for that given transaction. The transaction-based digital wallet, funded with the crypto currency for the given transaction, is transferred to a retailer's server where the crypto currency is transferred from the transaction-based digital wallet to a retailer's digital wallet for eventual exchange to a government issued currency.Type: GrantFiled: November 26, 2014Date of Patent: February 1, 2022Assignee: NCR CorporationInventor: Aaron Lloyd Kelley
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Patent number: 11216808Abstract: A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.Type: GrantFiled: October 5, 2016Date of Patent: January 4, 2022Assignee: The Toronto-Dominion BankInventors: Avinash Malliah, Roisin F. Fritz, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
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Patent number: 11205194Abstract: A method includes sending an encrypted first hash value set to a data provider; receiving an encrypted second hash value set and a double-encrypted first hash value set from the data provider; re-encrypting the received encrypted second hash value set to obtain a double-encrypted second hash value set; calculating an intersection of the double-encrypted first hash value set and the double-encrypted second hash value set to determine one or more shared users shared with the data provider; and recommending or providing a service to the one or more shared users.Type: GrantFiled: April 6, 2020Date of Patent: December 21, 2021Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.Inventors: Hui Huang, Zhenyu Zhang
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Patent number: 11195163Abstract: A soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. An issuer identification number retrieved from the card number is communicated to a provisioning configuration server over an air interface. A provisioning issuer server network address is obtained from the provisioning configuration server based on the issuer identification number. Card issuer specific challenges are presented to the user, and the user's responses to the challenges are received. The challenge responses are communicated to the provisioning issuer server. Soft card image data and personalization data, where the personalization data includes personalized embossed and pre-printed data, are received from the provisioning issuer server over the air interface. The soft card is provisioned for use on the device based on the data received over the air interface.Type: GrantFiled: April 23, 2012Date of Patent: December 7, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mohammad Khan, Pradeep Kumar, Narendra Narayanan
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Patent number: 11176547Abstract: A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.Type: GrantFiled: February 9, 2018Date of Patent: November 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Patrik Smets, Michael Ward, David Anthony Roberts, Jonathan James Main
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Patent number: 11170074Abstract: A software license and a software installation process are managed. A status of the license can be one of at least a third party reserved status, a requester reserved status, a requester allocated status, and an available status. A first module can be operative to change the status of the license from the third party reserved status to the requester allocated status in response to receiving a mode selection. The mode selection can correspond to one of one or more modes. The modes can comprise a reserve license mode, a remove reserve mode, a request license allocation mode, a return excess license to inventory mode, an ordering mode, and an add license to inventory mode. The first module can be operative in at least one of the modes.Type: GrantFiled: April 18, 2016Date of Patent: November 9, 2021Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Miriam R. Ashton, Randy S. Johnson, Tedrick N. Northway, Jacqueline Sveda, Caryn L. Woodruff