Patents Examined by Nilesh B Khatri
  • Patent number: 11823205
    Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
    Type: Grant
    Filed: August 29, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
  • Patent number: 11823224
    Abstract: Systems and methods for applying reward points from a rewards account to a transaction are disclosed. A method can include receiving a payment request from a merchant computer system for a transaction. The method can include authenticating the payment request by acquiring and using an encryption key transmitted by a financial institution computing system from a database that is associated with a payment account. The method may include determining the number of rewards points in the rewards account is not enough to cover the transaction. The method may include transmitting a partial authorization message to the merchant computer system including an approval amount. The method may include receiving a second payment request comprising a remaining balance of the transaction. The method may include identifying a secondary payment source to cover the remaining balance of the transaction.
    Type: Grant
    Filed: April 25, 2022
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11823531
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer-storage media, for proof of play (PoP) blockchain mining. In some implementations, a corresponding method may include providing a set of one or more task parameters for a group task to each of two or more users; responsive to a consensus among the two or more users, storing a start-task transaction that includes the set of one or more task parameters signed by each of the two or more users; storing an end-task transaction at an address of a blockchain; determining respective rewards for at least a subset of the two or more users based at least on the start-task transaction and the end-task transaction; and recording the respective rewards in the blockchain.
    Type: Grant
    Filed: May 4, 2022
    Date of Patent: November 21, 2023
    Assignee: GAD Research, LLC
    Inventor: William Blake Copeland
  • Patent number: 11823140
    Abstract: A server and method for sending a transaction receipt via a push notification is provided. The server comprises at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to: receive, from an issuer server, an approval message approving the user-initiated transaction request and transaction receipt details indicating a completion of the user-initiated transaction request, the user-initiated transaction request having corresponding transaction request details including a unique device identifier identifying a payment device that has been used to initiate the user-initiated transaction request; encrypt the transaction receipt details to provide encrypted transaction receipt details; and push, to the payment device identified by the unique device identifier, the encrypted transaction receipt details via a push notification channel.
    Type: Grant
    Filed: March 28, 2019
    Date of Patent: November 21, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Asif Kadiwala, PiyushKumar Mistry, Vinesh Gaadhe, Asheesh Agarwal
  • Patent number: 11823181
    Abstract: An object of the present invention is to provide a currency handling system which makes it possible to decrease a risk of dealing with foreign currency at the time of the occurrence of a communication error in a case in which a currency reading device capable of accepting a variety of currencies including a foreign currency is used while the currency handling system is connected to a management server through a communication line. A currency handling system 100 is connected to a casino management system 2 through a network 3, and includes a currency reading device 201 which is capable of accepting a variety of currencies and a PTS terminal 700. The PTS terminal 700 causes a process which limits usage of a foreign currency but allows usage of a local currency in the currency reading device 201 to be performed in a case (offline state) in which an error occurs in communication with the casino management system 2.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: November 21, 2023
    Assignee: Universal Entertainment Corporation
    Inventor: Jun Haishima
  • Patent number: 11823161
    Abstract: A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: November 21, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Saravana Perumal Shanmugam
  • Patent number: 11823175
    Abstract: Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.
    Type: Grant
    Filed: April 30, 2020
    Date of Patent: November 21, 2023
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Tyler Maiman, Brendan Way
  • Patent number: 11823148
    Abstract: An Augmented Reality (AR)-enabled Automated Teller Machine (ATM) receives a request to dispense cash equal to amount of an AR document. The AR document comprises an AR check. The AR-enabled ATM fetches a first AR check image from a memory. The AR-enabled ATM extracts a first set of features from the first AR check image. The AR-enabled ATM receives a second AR check image from a computing device associated with the receiver. The AR-enabled ATM extracts a second set of features from the second AR check image. The AR-enabled ATM compares the first AR check image with the second AR check image. The AR-enabled ATM determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the AR-enabled ATM dispenses cash equal to the amount.
    Type: Grant
    Filed: April 15, 2021
    Date of Patent: November 21, 2023
    Assignee: Bank of America Corporation
    Inventors: Anantharajan Srinivasarangan, Deepak Suresh Dhokane, Rakesh Kumar Jain, Ananth Subramanian, Kiran Pulla
  • Patent number: 11706021
    Abstract: In methods and systems for communicating medical image data that were generated for a patient between computing entities of a hospital network, a cloud-based data store and a patient's mobile device, a QR code serves to code a data package containing a user identification and a public key, which has been generated on the patient's mobile device, to a hospital server, in order to process personal data so that the personal data may be downloaded from the data store directly to the patient's mobile device in an encrypted form, and may be visualized there in clear text by means of applying a private key stored locally on the patient's mobile device. The method and system are web based and need no special requirements on the part of the patient's mobile device.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: July 18, 2023
    Assignee: Siemens Healthcare GmbH
    Inventor: Andreas Grimme
  • 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: 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: 11631064
    Abstract: A crowdfunding method may be executed by one or more processors of a crowdfunding system based on a blockchain for creating a game operating on a distributed network composed of a plurality of nodes. The method comprises performing a crowdfunding service on the distributed network according to a configured smart contract. The smart contract comprises generating an initial block including data records related to game production plan information, sharing at least one transaction record related to electronic transactions of coins with the plurality of nodes, generating at least one new block including data records related to at least one transaction record, and updating a blockchain stored in at least one of the plurality of nodes so as to add the new block to the blockchain through communication with the distributed network.
    Type: Grant
    Filed: September 17, 2019
    Date of Patent: April 18, 2023
    Assignee: NHN CORPORATION
    Inventors: Soo Kyoung Seol, Heetae Lyu, Junghwa Baek, Kiho Na, HeeJae Myeong, Min Tae Kim, SeungJae Lee
  • Patent number: 11621955
    Abstract: A method, system and computer program product for delivering a digital identity document. A request is received to purchase a digital identity document from a user by a system. An acquisition uniform resource locator (URL) with parameters corresponding to the identity of the user and the requested digital identity document is created and provided to the user. The user utilizes the received URL to communicate with an issuer to request the digital identity document. The system then receives the requested digital identity document in encrypted form from the issuer. The system then delivers the encrypted digital identity document to the user. In this manner, the system can deliver to the user an identity document in digital form that has been vetted as trusted in a secure manner thereby reducing the number of occurrences in providing improper identity documents as well as lessening the ability to generate falsified identity documents.
    Type: Grant
    Filed: April 5, 2016
    Date of Patent: April 4, 2023
    Assignee: International Business Machines Corporation
    Inventors: William F. Abt, Jr., Daniel A. Gisolfi, Asher C. Johnson, Richard Redpath
  • Patent number: 11580536
    Abstract: A diamond asset comprising one or more diamonds and an encryption chip is used to asset-back a cryptographic token that can be used to conduct transactions. The cryptographic token is written to a blockchain using a smart contract that is configured to enable a transaction associated with the token in response to two or more of: a signature by the encryption chip, a signature by the owner of the diamond asset, and a validation of a visual layout of the diamond asset.
    Type: Grant
    Filed: November 4, 2020
    Date of Patent: February 14, 2023
    Assignee: DIAMOND STANDARD INC.
    Inventor: Cormac L. Kinney
  • Patent number: 11580531
    Abstract: A method and system include providing a user interface associated with an issuer of an account; receiving, at the user interface, a request to generate a token associated with a user account; generating at least one token associated with the user account; authenticating one or more elements associated with the user account, wherein authentication may be one of prior to and subsequent to the generation of the at least one token; and receiving the at least one token. Numerous other aspects are provided.
    Type: Grant
    Filed: August 25, 2017
    Date of Patent: February 14, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Valerie Wouters, Cristian Radu, Alan Johnson
  • Patent number: 11531980
    Abstract: A method for optimized validation of a blockchain transaction through the use of a parallel database and date management includes: receiving a new blockchain transaction that includes unspent transaction outputs; identifying, in a parallel database, a start date for a blockchain wallet involved in the new transaction; identifying a subset of blocks in the blockchain that have been added to the blockchain since the start date; validating the new blockchain transaction by validating the unspent transaction outputs using the subset of blocks; and, if the validation is successful, adding the new transaction to the blockchain, or, if the validation is unsuccessful, notifying the submitter of the failed validation.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: December 20, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Anurag Aggarwal, Chandan Garg, Ankur Arora, Aditya Koduri
  • Patent number: 11494761
    Abstract: A digital asset security device, includes an asset capture unit configured to electronically capture a digital asset, a processor configured to digitally sign the captured asset, a memory configured to store a digitally signed asset from the processor, and a hashing module in communication the asset capture unit, the processor, and the memory, and configured to provide a cryptographic hash to one or more of the captured asset and the digitally signed asset.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: November 8, 2022
    Assignee: Cable Television Laboratories, Inc.
    Inventors: Steven John Goeringer, Brian Alexander Scriber, Arianne Hinds, Michael Sprenger, Robert Michael Lund
  • Patent number: 11429975
    Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
    Type: Grant
    Filed: March 25, 2016
    Date of Patent: August 30, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
  • Patent number: 11423395
    Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.
    Type: Grant
    Filed: November 28, 2017
    Date of Patent: August 23, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Patent number: 11416930
    Abstract: A method for registering a point distributor and information on an exchange rate for providing a united point service is provided. The method includes steps of: a system managing server (a) verifying a registration transaction TrxA and a confirmation transaction TrxB if at least one of conditions is satisfied which include (i) a condition that the TrxA having (i-1) a public key of a point managing server, and (i-2) a first XEA, an exchange rate of a point A managed by the point distributor to a united point, is acquired from a point distributing server, and (ii) a condition that the TrxB having (ii-1) a public key of the point distributing server, and (ii-2) a second XEA, is acquired from the point managing server; and (b) recording it on a certain blockchain database, and acquiring a transaction ID which locates the TrxA, the TrxB on the certain blockchain database.
    Type: Grant
    Filed: December 28, 2017
    Date of Patent: August 16, 2022
    Assignee: COINPLUG, INC.
    Inventors: Joon Sun Uhr, Jay Wu Hong, Joo Han Song