Patents Examined by Mohammad A Nilforoush
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Patent number: 11170370Abstract: A system and methods include a negative certificate authority for distributed management of negative certificates. An authorization restriction is associated with an untrusted user. A negative certificate generated for the untrusted user includes a public key associated with the untrusted user and an authorization restriction. The authorization restriction includes at least one global restriction, which is applicable to each consortium member that subscribes to the negative certificate. The authorization restriction includes at least one local restriction, which allows individual consortium members to further define their own locally applicable restrictions using the negative certificate authority. The negative certificate is accessible to each member of the consortium to enforce the authorization restriction against a transaction request. A secure contributor record including a unique cryptographically generated address is generated for each contributor.Type: GrantFiled: July 14, 2017Date of Patent: November 9, 2021Assignee: Wells Fargo Bank, N.A.Inventors: Sathya K. Balakrishnan, Shanmukeswara R. Donkada, Madhu Gumballi, Rameshchandra B. Ketharaju, Niraj Kumar, Ramanathan Ramanathan, Chandrasekaran Sivaraman, Lakshmi Sowrirajan
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Patent number: 11157984Abstract: Means and a computerized method for recommending items such as books and audio compact disks. For each item, a user profile includes ratings provided by users of the system. Unlike present recommendation systems, the user profiles do not include pre-computed similarity factors measuring similarity between users. Rather, when an advisee requests a recommendation, similarity measures are computed comparing the advisee to other users, and the similarity measures are associated with the other users. A subset of the users is selected, where the subset includes the users most similar to the advisee. A recommendation is made based on the ratings by the members of the selected subset.Type: GrantFiled: November 25, 2013Date of Patent: October 26, 2021Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATIONInventors: Ralf Bertram, Gerhard Schrimpf, Hermann Stamm-Wilbrandt
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Patent number: 11100502Abstract: The invention relates to systems and methods for providing modular and configurable smart contracts for blockchain applications. The smart contracts may be utilized to retain all transaction attribute values in a world state database of the blockchain-implemented ledger. The systems and methods can further provide for dynamically configurable validation metadata and validation rules for transaction attributes recorded on a blockchain transaction log. The validation metadata and validation rules corresponding to the transaction attributes can be dynamically updated and applied to the transaction attributes to validate or invalidate a transaction.Type: GrantFiled: October 22, 2020Date of Patent: August 24, 2021Assignee: KPMG LLPInventors: Steven K. Rainey, David Richard Jarczyk, Nikola G. Ognjanovic, Noah Leuthaeuser, Michal Pol, Christopher Donnelly, Jenny Li, Rafiq Mohamed Jalal, Ashish Lal Rajbanshi
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Patent number: 11100501Abstract: The invention relates to systems and methods for providing modular and configurable smart contracts for blockchain applications. The smart contracts may be utilized to retain all transaction attribute values in a world state database of the blockchain-implemented ledger. The systems and methods can further provide for dynamically configurable validation metadata and validation rules for transaction attributes recorded on a blockchain transaction log. The validation metadata and validation rules corresponding to the transaction attributes can be dynamically updated and applied to the transaction attributes to validate or invalidate a transaction.Type: GrantFiled: May 22, 2020Date of Patent: August 24, 2021Assignee: KPMG LLPInventors: Steven K. Rainey, David Richard Jarczyk, Nikola G. Ognjanovic, Noah Leuthaeuser, Michal Pol, Christopher Donnelly, Jenny Li, Rafiq Mohamed Jalal, Ashish Lal Rajbanshi
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Patent number: 11086978Abstract: To authorize a transaction between a host and a server, a token is operationally connected to the host. The host receives an identification credential of a user. The identification credential is verified by the token and/or by the server. If the token detects a prescribed human action, the token generates token authentication data and the host sends the token authentication data to the server. Upon receiving the authentication data, the server authenticates the transaction. A device for authenticating a transaction includes a device interface for interacting with a host, a connector for reversibly operationally connecting the device to the host, and a controller that authenticates the transaction only once, contingent on detecting a prescribed anonymous human action. One such human action is providing one or more inputs at the host's user interface synchronously with outputs at the device's user interface.Type: GrantFiled: May 17, 2006Date of Patent: August 10, 2021Assignee: Western Digital Israel LtdInventors: Aran Ziv, Mordechai Teicher
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Patent number: 11049092Abstract: Systems and methods enable members of a secure transaction network to readily identify the appropriate trusted service manager (TSM) to support a particular transaction. A global directory of TSM providers is provided that a secure service provider can use for determining which TSM provider is the authorized manager of a security domain for the particular transaction. In aspect the directory of TSM providers may be stored within a mobile device secure element. In another aspect, the directory of TSM providers may be stored in a central TSM repository. In a further aspect, the directory of TSM providers may be distributed among a number of secondary TSM repositories. The appropriate TSM may be identified based upon a secure element identifier and an application identifier provided by a secure element as part of the transaction. Communication of the identifiers from mobile devices may be via cellular or near field communication links.Type: GrantFiled: April 23, 2013Date of Patent: June 29, 2021Assignee: QUALCOMM IncorporatedInventors: Asif Batada, Moshe Levy
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Patent number: 11048492Abstract: Embodiments of the invention provide systems and methods for applying a patch or a change to a set of binary modules executing on and used by resources of a computing cluster while reducing the downtime of those resources. According to one embodiment, applying a patch to a plurality of binary modules on a computing cluster can comprise identifying resources on one or more of a plurality of nodes of the cluster. Additionally, each of the plurality of binary modules on one or more of the nodes of the cluster can be identified. A graph can be generated logically representing the cluster. Groups within the binary modules and resources can be identified based on the graph. Patches can be applied to the binary modules based on the identified groups. Patching binary modules based on the identified groups can comprise patching all of the binary modules of an identified group together.Type: GrantFiled: August 24, 2010Date of Patent: June 29, 2021Assignee: ORACLE INTERNATIONAL CORPORATIONInventors: Nitin Jain, Tim Misner
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Patent number: 11037111Abstract: Provided in the present invention is a method comprising steps of: (a) confirming validity of a currency issuing transaction and a currency issuer when the currency issuing transaction including (i) a specific unique nonce, (ii) a receiver of the currency, (iii) issued amount of the currency, (iv) a public key of the currency issuer, and (v) a signature value of the currency issuer signing the (i), (ii), (iii), and (iv) with a private key of the currency issuer is obtained, and if valid, registering the currency issuing transaction on a private BCDB, wherein registering includes updating a balance database by referencing amount of change in balance due to the issued amount of the currency, included in the currency issuing transaction; and (b) registering, on the public BCDB, a specific representative hash value generated by calculating an associated hash value matching the specific hash value, when a specific condition is satisfied.Type: GrantFiled: April 10, 2019Date of Patent: June 15, 2021Assignee: COINPLUG, INC.Inventors: Joo Han Song, Jay Wu Hong, Joon Sun Uhr
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Patent number: 11037136Abstract: Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.Type: GrantFiled: January 24, 2019Date of Patent: June 15, 2021Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
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Patent number: 11037110Abstract: A mobile wallet computer system may send a token to a customer computing device to share the token with a recipient computer system in exchange for payment for a service or a good. The mobile wallet computer system may receive, the token, a recipient public key associated with a MBC account of the recipient, and a transaction amount. The mobile wallet computer system determines whether the recipient public key is registered with the mobile wallet computer system. The mobile wallet computer system updates a ledger that lists a MBC balance of the MBC account of the recipient and the ledger that lists the MBC balance of the customer or transmits, to MBC processing nodes, a request to transfer the amount of MBC in a pooled MBC account of a financial institution to the MBC account of the recipient.Type: GrantFiled: July 3, 2014Date of Patent: June 15, 2021Assignee: Wells Fargo Bank, N.A.Inventor: Ashish B. Kurani
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Patent number: 11036611Abstract: A central processing unit measurement facility is virtualized in order to support concurrent use of the facility by multiple guests executing within a virtual environment. Each guest of the environment has independent control over disablement/enablement of the facility for that guest.Type: GrantFiled: August 4, 2016Date of Patent: June 15, 2021Assignee: International Business Machines CorporationInventors: Lisa Cranton Heller, Patrick M. West, Jr., Phil C. Yeh
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Patent number: 10984415Abstract: A system and method for facilitating a secured value transfer. A first user and the system obtain a pair of encryption and decryption apparatuses. The first user creates a request including his unique identifier and a value to be transferred. The first user encrypts the request using the encryption apparatus and sends it to the second user. The second user sends to the system the request and the second user's unique identifier. The system uses the decryption apparatus to decrypt the request. The system checks the usage of the request against a threshold limit. After a successful usage check, the system then transfers the value from the first user to the second user. The system may comprise (a) a plurality of system server for exchanging data with users' personal computing devices, registering users, and conducting transactions, and (b) data storages storing user accounts and other persistent data.Type: GrantFiled: June 7, 2013Date of Patent: April 20, 2021Inventor: Li Tan
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Patent number: 10902417Abstract: Disclosed are exemplary embodiments of systems and methods for processing payment transaction using pseudo-PAN. In an exemplary embodiment, a method generally includes generating an encryption salt, receiving a request from a consumer indicating a possible payment transaction, in response to the request, generating a one-time token, based on the actual payment information and a most recent generated encryption salt, the one-time token having the same format as the payment information, with a routing segment of the one-time token being identical to a routing segment of the payment information, and presenting the one-time token.Type: GrantFiled: April 29, 2014Date of Patent: January 26, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: John Cacioppo
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Patent number: 10885501Abstract: The present invention relates to an accredited certificate issuance system based on a block chain and a method using the same, and an accredited certificate authentication system based on a block chain and a method using the same, which disenable a leak of a personal key by autonomously generating, storing and managing the personal key by a random number generator mounted in a terminal in which it is impossible to install a function or an additional program for physically accessing; enable a public key for accredited certification to be stored in a block chain of electronic wallets mounted in block chain retention servers via a P2P network-based distribution database, not in a server of an accredited certificate authority (CA), and thus incur almost no costs for maintenance and for operating the established accredited certificate issuance system; and can perform an accredited certification process without ActiveX.Type: GrantFiled: July 7, 2016Date of Patent: January 5, 2021Assignee: Coinplug, Inc.Inventors: Joon Sun Uhr, Jay Wu Hong, Joo Han Song
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Patent number: 10846682Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: March 24, 2016Date of Patent: November 24, 2020Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 10817878Abstract: Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.Type: GrantFiled: June 9, 2016Date of Patent: October 27, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jean-Paul Edmond Rans, Sumeet Bhatt
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Patent number: 10650361Abstract: A computer-implemented system for analyzing copyright right ownership of a media content containing one or more copyrighted works, comprising the steps of: receiving, by a controller having a CPU, a media content from a first user via a wide area network, the media content comprising a mix of copyrighted works; parsing the media content into a format recognizable by a fingerprinting analytical algorithm; determining by the controller using the fingerprinting analytical algorithm copyright ownership information in the received media content; monitoring by the controller a playing of a select length of the media content from the content storage device by a second user; and reporting to a system operated by a copyright licensing entity by the controller the copyright ownership information associated with the select length of the media content played by the second user.Type: GrantFiled: May 18, 2012Date of Patent: May 12, 2020Assignee: Dubset Media Holdings, Inc.Inventor: David Stein
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Patent number: 10586229Abstract: Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token.Type: GrantFiled: July 8, 2013Date of Patent: March 10, 2020Assignee: Visa International Service AssociationInventors: Simon Hurry, Ayman Hammad
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Patent number: 10565586Abstract: A method and corresponding system for supporting authentication processing of commercial transactions conducted over a communications network between consumers and merchants. Payment information for a commercial transaction between a consumer and a merchant is received over the communications network. The payment information identifies a payment instrument supporting an authenticated payment program. A determination is made as to whether to authenticate the consumer using the authenticated payment program based on authentication criteria defined by the merchant. The consumer is authenticated over the communications network in accordance with the authenticated payment program if authentication is determined to be appropriate based on the authentication criteria defined by the merchant.Type: GrantFiled: January 28, 2011Date of Patent: February 18, 2020Assignee: CardinalCommerce CorporationInventors: Michael Roche, Adam Ratica, Phillip Romano, Matthew Yucha, Scott Rauhe
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Patent number: 10546292Abstract: Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.Type: GrantFiled: October 3, 2016Date of Patent: January 28, 2020Assignee: Worldpay, LLCInventor: Stefan K. Karaivanov