Patents Examined by Neha Patel
  • Patent number: 11694179
    Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.
    Type: Grant
    Filed: June 22, 2022
    Date of Patent: July 4, 2023
    Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
  • Patent number: 11694206
    Abstract: Disclosed are methods and systems for quantifying degrees of association between blockchain addresses in a weighted-linked database. The method may include: obtaining a node data set comprising one or more nodes and edges; associating a first node of the node data set with a first weight factor; identifying a first edge of the node data set, wherein the first edge comprises data indicating a source node address corresponding to the first node, a target node address corresponding to a second node of the one or more nodes in the node data set, and a first edge weight; determining a source value for the second node based on the first weight factor and the first edge weight; generating, a risk value for the second node based on the source value; and presenting, on a GUI, graphical depictions of the first node, the second node, and the first edge.
    Type: Grant
    Filed: June 2, 2022
    Date of Patent: July 4, 2023
    Assignee: ELEMENTUS INC.
    Inventor: Maxwell David Galka
  • Patent number: 11694196
    Abstract: The invention provides a method and corresponding system for controlling the generation of a blockchain transaction, and/or the recipient of a transaction output. It can also be used to control and record the ownership of an asset represented on the blockchain without the need for a separate registry of ownership. The ownership and transfers thereof can be handled and recorded without the need for knowledge of the parties involved or their identities. According to one embodiment, the method comprises the steps of identifying at least one transaction (Tx) on a blockchain which comprises: an unspent transaction output (UTXO) relating to a tokenised asset associated with an asset controller; and an input which spends an output from a previous transaction that is locked by a redeem script hash.
    Type: Grant
    Filed: October 24, 2017
    Date of Patent: July 4, 2023
    Assignee: nChain Licensing AG
    Inventor: Gavin Allen
  • Patent number: 11688003
    Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.
    Type: Grant
    Filed: September 19, 2018
    Date of Patent: June 27, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
  • Patent number: 11687885
    Abstract: Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.
    Type: Grant
    Filed: February 26, 2016
    Date of Patent: June 27, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Adam Clark, Kim Wagner
  • Patent number: 11687904
    Abstract: An example operation may include one or more of storing, within a blockchain, a request comprising an identifier of content and a value of a user who created the content, detecting consumption of a reusable instance of the content by a second user, designating fractional values of the content to the first and second users based on the detected consumption of the reusable instance, and storing, within the blockchain, a second request comprising an identifier of the reusable instance of the content, identifiers of the first and second users, and the designated fractional values of the content to the first and second users.
    Type: Grant
    Filed: November 4, 2019
    Date of Patent: June 27, 2023
    Assignee: International Business Machines Corporation
    Inventors: Dulce B. Ponceleon, Nitin Gaur, Peter Guglielmino
  • Patent number: 11687923
    Abstract: Systems and methods for facilitating tokenization of modifiable game assets on a distributed blockchain may: generate a smart contract configured to contain license keys associated with the modifiable game assets and to effectuate transfers of the license keys to purchasers; post the smart contract to a distributed blockchain; receive sales information describing a first game asset that is usable within the online gaming platform and intended to be offered for sale to gaming users of the online gaming platform; obtain verification information that indicates the first game asset has passed or failed a verification; tokenize the first game asset into a tokenized game asset on the distributed blockchain, responsive to the verification passing successfully; and offer the tokenized game asset for sale.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: June 27, 2023
    Assignee: Mythical, Inc.
    Inventors: Stephan Cunningham, John Linden, Cameron Thacker
  • Patent number: 11682016
    Abstract: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.
    Type: Grant
    Filed: November 16, 2018
    Date of Patent: June 20, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Manish Kumar, Nishant Maheshwari, Shuvam Sengupta
  • Patent number: 11681992
    Abstract: Systems and methods are provided for hosting a blockchain associated with at least a first blockchain-based supply chain payment network and a second blockchain-based supply chain payment network. The blockchain can be a distributed database that includes a plurality of data records that represent transactions in the first blockchain-based supply chain payment network and transactions in the second blockchain-based supply chain payment network. A transaction between network participants associated with the first blockchain-based supply chain payment network can be determined. The transaction can be based on payment tokens minted for circulation in the first blockchain-based supply chain payment network. A data record that represents the transaction between the network participants associated with the first blockchain-based supply chain payment network can be verified.
    Type: Grant
    Filed: November 17, 2020
    Date of Patent: June 20, 2023
    Assignee: TraDove, Inc.
    Inventor: Jun Yan
  • Patent number: 11676121
    Abstract: Systems, methods, and non-transitory computer-readable media can receive a first content item uploaded by a first user. Content ownership information can be updated to associate the first content item with the first user. The first user can be provided with content item analytics pertaining to the first content item in a content item analytics interface.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: June 13, 2023
    Assignee: Meta Platforms, Inc.
    Inventors: Volodymyr Krestiannykov, Xiaoyin Qu, Aastha Gupta, Heping Gao, Rennie Hsie Song, Shuopeng Yin, Bradley Thomas Bushell, Tianhui Xu, Gali Levizky, Daniel Christian Shum, Abhishek Bapna, Lior Ben Kereth
  • Patent number: 11669831
    Abstract: A method for facilitating the exchange of a stable cryptocurrency collateralized by government-issued debt. First granularity parameters are received through a first wallet interface of a first digital wallet. A first restricted use key is generated based upon the first granularity parameters and provided to an owner of a second digital wallet. A second restricted use key is generated based upon second granularity parameters received through a second wallet interface associated with the second digital wallet. Information from a blockchain wallet is accessed using the second restricted use key wherein the information relates to one or more of an ID classification and risk score of the second wallet owner at a level of detail determined by the second granularity parameters. An indication to proceed with a transaction between the first digital wallet and the second digital wallet may then be received through the first wallet interface.
    Type: Grant
    Filed: April 7, 2021
    Date of Patent: June 6, 2023
    Inventors: Miles Paschini, Nitin Agarwal
  • Patent number: 11669599
    Abstract: In accordance with the present approach, an edition-managing software application may be provided to query registries of client devices for edition information associated with a target software package. When retrieved, the edition information may then be stored in a universal storage location from which the edition-managing software application may generate an edition report that provides an accurate representation of actual installations of each edition of the target software package on the client devices. Further, in accordance with the present approach, a usage-tracking software program may be provided to retrieve a last used date of a target software package on client devices. If the last used date is beyond a threshold time period for the client devices, the enterprise may determine that the target software package is underutilized compared to a desired usage. Then, the target software package may be uninstalled from the client devices and installed on other client devices.
    Type: Grant
    Filed: November 26, 2018
    Date of Patent: June 6, 2023
    Assignee: ServiceNow, Inc.
    Inventors: Medha Singri, Colby Andrew Blakeman
  • Patent number: 11669600
    Abstract: A system and method for controlling usage of shared demo assets includes embedding a digital watermark into a demo asset created by a first entity, the digital watermark including usage conditions defined by the first entity, tracking a use of the demo asset by a second entity by utilizing the digital watermark embedded into the demo asset, and controlling, by the processor, the use of the demo asset by the second entity based on a compliance with the usage conditions defined by the first entity.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: June 6, 2023
    Assignee: International Business Machines Comporation
    Inventors: Jenny S. Li, Barbara L. Linden, Robert Baz, Mona Arishi
  • Patent number: 11669811
    Abstract: Methods, systems, and apparatuses for blockchain-based digital token utilization are described herein. Data corresponding to digital tokens may be stored on a blockchain associated with a decentralized peer-to-peer (P2P) network. Smart contracts for collecting digital tokens in exchange for service provider tokens may be deployed to the blockchain. Smart contracts for distributing digital tokens based on credit tokens may be deployed to the blockchain. Through execution of the smart contracts, digital tokens may be utilized by users in various ways.
    Type: Grant
    Filed: September 26, 2019
    Date of Patent: June 6, 2023
    Assignee: Bank of America Corporation
    Inventors: Suki Ramasamy, Sasidhar Purushothaman
  • Patent number: 11663596
    Abstract: Methods, systems, and media for protecting transactions with secure payment authorization channels are provided. In some embodiments, methods, systems, and media can provide secure payment authorization channels for protecting transactions in connection with the transmission of a digital asset.
    Type: Grant
    Filed: January 4, 2021
    Date of Patent: May 30, 2023
    Assignee: Integral Ad Science, Inc.
    Inventor: David William Luttrell
  • Patent number: 11651098
    Abstract: Methods and systems are described for generating recommendations based on non-delineated records collected by a data aggregation service during communications between users and content sources. For example, based on collecting records on exchanges between users and content sources that is traditionally neither stored nor identified by either party, a data aggregation service may generate recommendations related to future exchanges of content between the same or different users and/or the same or different content sources.
    Type: Grant
    Filed: June 12, 2020
    Date of Patent: May 16, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Goodsitt, Vincent Pham, Alvin Hua, Austin Walters
  • Patent number: 11651363
    Abstract: A system and method for anonymously funding a temporary cash account is described. The system includes a personal mobile device, a cash account, a Point-of-Sale (POS) device and a network component. A device identifier is received by the personal mobile device. A unique session identification is generated by the network component and communicated to the personal mobile device and to the POS device. The POS device and personal mobile device displays the device identifier. The POS device then proceeds to receive a cash amount. The POS receives an instruction to associate the cash amount with the personal mobile device. The personal mobile device communicates the cash amount to the network component. The network component receives the device identifier, the unique session identification and the cash amount. The network component funds the cash account with the cash amount. The personal mobile device accesses the cash account to fund an activity.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: May 16, 2023
    Assignee: PILOT GAMES, INC.
    Inventors: Jon Weaver, Warren R. White, Anthony M. Morelli
  • Patent number: 11651353
    Abstract: A plurality of computer-based transactions facilitated by each of a plurality of custodians are monitored. A first transaction of the plurality of transactions includes a transfer of an amount of cryptocurrency of a first type by a first counterparty to a second counterparty in exchange for an amount of cryptocurrency of a second, different type. Transaction packages are generated by each counterparty which include requisite information to effect the transfer. A settlement coordinator asynchronously receives (via a computing network) the transaction packages which specify information required to (i) transfer the cryptocurrency of the first type from the first counterparty to the second counterparty on a first blockchain and (ii) transfer the cryptocurrency of the second type from the second counterparty to the first counterparty on a second blockchain.
    Type: Grant
    Filed: August 26, 2020
    Date of Patent: May 16, 2023
    Assignee: Membrane Labs Inc.
    Inventor: Carson Raymond Cook
  • Patent number: 11645643
    Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: May 9, 2023
    Assignee: Bank of America Corporation
    Inventors: Christopher Hope, James McMorrow, Sumita Desai, Shehreyar Jamshed, Ayeesha Sachedina, Anna Xu, Brandon Castagna, Sasikumar Sivaraman, Lauren Hewings, Alex Wong
  • Patent number: 11645632
    Abstract: A mechanism for verifying digital information provenance and attestation using blockchain distributed ledger technology which reveals unauthorized tampering with credentialed information. Content modifications are detectable leveraging only local edge validation supported by the normative Bitcoin Core cryptographic libraries or equivalent blockchain implementations. The invention prevents unauthorized access, unregulated copy distribution, and orphaned ownership lacking issuer provenance and attestation. The preferred embodiment provides tamper detectable digital content containers supporting credentialing, remote administration, localized validation, distributed access control, and processing instruction signaling. Intermediary third-party services are not required to verify provenance and issuer attestation. Blockchain integrated cryptographic information containers and administrative transactions immutably record the binding between participating parties (e.g.
    Type: Grant
    Filed: May 26, 2020
    Date of Patent: May 9, 2023
    Inventor: Derek Norman La Salle