Patents Examined by Patrick Mcatee
  • Patent number: 11935023
    Abstract: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.
    Type: Grant
    Filed: April 19, 2021
    Date of Patent: March 19, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jason J. Lacoss-Arnold, Chandrasekhar Rao Nadella, Jeffrey L. Altemueller, Ganesh L. Iyer
  • Patent number: 11928668
    Abstract: A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.
    Type: Grant
    Filed: October 3, 2022
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis, Steve Puffer
  • Patent number: 11928707
    Abstract: Methods and apparatus for pre-scaling media content to facilitate audience measurement are disclosed. An example method includes encoding a media content sample in accordance with a first encoding configuration and playing the encoded sample. The example method also includes attempting to detect the codes in the sample, and computing a ratio between the codes encoded in the sample and the codes detected when the sample is played.
    Type: Grant
    Filed: January 16, 2023
    Date of Patent: March 12, 2024
    Assignee: The Nielsen Company (US), LLC
    Inventors: Brian Fuhrer, Morris Lee, Alexander Topchy
  • Patent number: 11922403
    Abstract: Systems, methods, and computer-readable media disclosed herein relate to reducing computation and computing resources for certain blockchain related transactions. Specifically, software algorithms and architecture allow some transactions to avoid the need for recordation on a blockchain, which can be computationally expensive both for a requesting device and for various nodes on the blockchain. Thus, a computer system may receive indications of incoming transactions transferring digital assets to particular user accounts, and in response to requests from user accounts, the computer system facilitates one or more internal transactions between those accounts. In response to a request from a particular internal user account, the computer system may perform an outgoing transaction transferring one or more digital assets to an external user account from one or more internal user accounts.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: March 5, 2024
    Assignee: PayPal, Inc.
    Inventor: Charles Gabriel Neale Dalton
  • Patent number: 11922415
    Abstract: A method of selectively locking a cryptographic digital asset includes instructing or requesting the creation or minting of a plurality of cryptographic tokens via a first common digital contract registered to a distributed ledger. Each cryptographic token is a digital asset that includes at least one attribute that is operative to evolve or change through a plurality of evolutionary stages. The plurality of cryptographic tokens are then instructed to be transferred to a plurality of token holders. The method further includes receiving a request from a token holder to selectively lock their digital asset at one of the plurality of evolutionary stages; and instructing or requesting the transfer of a second cryptographic token to the token holder, the second cryptographic token having at least one attribute that is at least partially derived from the evolutionary stage of the digital asset at the time of the request.
    Type: Grant
    Filed: April 21, 2023
    Date of Patent: March 5, 2024
    Assignee: NIKE, Inc.
    Inventors: Christopher Andon, Nikhil Gopalani, Chris Le Howard, Samuel Lespes, Benoit Pagotto, Steven Vasilev
  • Patent number: 11922417
    Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: March 5, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Gaurang Bhatt, Lukiih Cuan, Rocky Guo
  • Patent number: 11915243
    Abstract: A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers. After the elements are retrieved during the transaction, the validation identity token may be generated using the retrieved elements. The validation identity token may indicate whether the user is authenticated. No single entity can possess all elements utilized to generate the validation identity token, which mitigates risk of the validation identity token being compromised. In some embodiments, the validation identity token may be a chromatic identity token, which may indicate validity by color.
    Type: Grant
    Filed: September 29, 2021
    Date of Patent: February 27, 2024
    Assignee: Visa International Service Association
    Inventor: Duane Cash
  • Patent number: 11915247
    Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.
    Type: Grant
    Filed: August 15, 2022
    Date of Patent: February 27, 2024
    Assignee: Stripe, Inc.
    Inventors: Tara Seshan, Adam Eagle
  • Patent number: 11907936
    Abstract: A method for securing a split private key (such as used with a cryptocurrency or other non-custodial electronic wallet) amongst a password, biometrics, and a social service. The process may use a sharding scheme such as Shamir's Secret Sharing to ensure that multiple key shards must be obtained before the entire private key can be obtained. The user may select the number of shards required to retrieve the private key thereby controlling the security of the account. An additional shard may be held on an encrypted server and allows for account recovery even while maintaining non-custodial ownership of the wallet.
    Type: Grant
    Filed: April 12, 2023
    Date of Patent: February 20, 2024
    Assignee: DefiQ, Inc.
    Inventors: Eric Parker, Ethan Parker, David Hurst, Brendan Wanlass, David Bland, Adam Olsen
  • Patent number: 11907939
    Abstract: The present disclosure involves a method for grouping non-fungible digital tokens. The method includes generating a first transaction on a blockchain having an output of a fungible digital token, with the fungible digital token having a first transaction hash identifier. The method further includes assigning the first transaction hash identifier associated with the fungible digital token with a cryptographic public key, and generating a second transaction on the blockchain having an output of a non-fungible digital token and an input. The fungible digital token is spent as the input into the second transaction, with the non-fungible digital token comprising a second transaction hash identifier and a group identifier associated with the first transaction hash identifier.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: February 20, 2024
    Inventor: James Cramer
  • Patent number: 11900373
    Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.
    Type: Grant
    Filed: October 6, 2022
    Date of Patent: February 13, 2024
    Assignee: Block, Inc.
    Inventors: Ryan Tai, Madeeha Ghori, Daniel Barrett
  • Patent number: 11900354
    Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.
    Type: Grant
    Filed: October 6, 2022
    Date of Patent: February 13, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Patent number: 11900391
    Abstract: Embodiments provide methods, and server systems connecting with a customer service representative/agent for a financial transaction. A method includes sending, by a server system, a message related to a financial transaction to a user device using a messaging protocol. The message includes at least one option to receive a response of the message from the user device for connecting with an agent. The method includes receiving the response of the message from the user device. The response includes an authentication data. The method includes verifying the authentication data. Upon successful verification, the method includes electronically extracting at least one context of the message from the response. The method includes sending the at least one context to a Customer Service Centre (CSC) server. The CSC server is configured to assign the agent to the user based on the at least one context for an upcoming conversation about the message.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: February 13, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rajesh Pralhadrao Mahalle, Jitendra Singh Wadhwa, Surbhi Malhotra
  • Patent number: 11900361
    Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.
    Type: Grant
    Filed: September 26, 2022
    Date of Patent: February 13, 2024
    Assignee: Visa International Service Association
    Inventors: Mary Taylor, Laura A. Long, Michael Mori, Rajat Das
  • Patent number: 11887119
    Abstract: The present invention is provides a system or a computer implemented user digital assets management method for managing digital assets of a user while maintaining privacy and security. The digital assets are converted into anonymous data having a verifiable portion and an encrypted portion. The verifiable portion contains non identifiable information of the user and the encrypted portion contains identifiable information of the user. The identifiable information includes user personal data. The user has control on the anonymous data and grants access to the service provider accordingly.
    Type: Grant
    Filed: June 19, 2023
    Date of Patent: January 30, 2024
    Inventor: Orrin Vincent Campbell
  • Patent number: 11887204
    Abstract: Systems and methods are provided for leveraging blockchain technology in a swarm learning context, where nodes of a blockchain network that contribute data to training a machine learning model using their own local data can be rewarded. In order to conduct such data monetization in a fair and accurate manner, the systems and methods rely on various phases in which Merkle trees are used and corresponding Merkle roots are registered in a blockchain ledger. Moreover, any claims for a reward are challenged by peer nodes before the reward is distributed.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: January 30, 2024
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Sathyanarayanan Manamohan, Vishesh Garg, KrishnaPrasad Lingadahalli Shastry
  • Patent number: 11887022
    Abstract: A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server.
    Type: Grant
    Filed: April 11, 2022
    Date of Patent: January 30, 2024
    Assignee: Block, Inc
    Inventors: Malcolm Smith, Kshitiz Vadera, Afshin Rezayee
  • Patent number: 11872496
    Abstract: Systems and methods for controlling distributions by an automated electronic networked central clearinghouse are disclosed. Exemplary implementations may: receive an exchange request that indicates a first user offers a first digital asset for a reversible exchange on a fiat-currency-based online exchange platform; obtain asset-specific distribution rights for the first digital asset; receive exchange information regarding the reversible exchange with an exchanging user; monitor, during a waiting period, whether any actions taken by the exchanging user determine reversibility of the reversible exchange, or whether the waiting period for reversibility times out; based on a time-out or a determination regarding reversibility, either (i) transfer the ownership of the first digital asset to the first user, or (ii) clear the reversible exchange by non-temporarily transferring the ownership to the exchanging user, and by distributing benefits in accordance with the asset-specific distribution rights.
    Type: Grant
    Filed: October 30, 2020
    Date of Patent: January 16, 2024
    Assignee: Mythical, Inc.
    Inventors: Rudy Koch, Cameron Thacker, Liwen Kao
  • Patent number: 11874639
    Abstract: There is described an auditor system and method for a building management system environment comprising a blockchain component and an alarm remediation and auditing device. The blockchain component provides communication between the auditor system and a network of peer-to-peer nodes. The alarm remediation and auditing device provides interaction between the auditor system and one or more user, wherein the alarm remediation and auditing device is further configured to process building information associated with a selected remediation type received from the blockchain component as well as requirement for regulatory compliance. The auditor system performs an audit of transaction records of the decentralized ledger relating to the remediation type without providing any new transaction records to the decentralized ledger that relate to the remediation types of the building automation system and do not relate to the audit.
    Type: Grant
    Filed: August 12, 2022
    Date of Patent: January 16, 2024
    Assignee: Siemens Industry, Inc.
    Inventors: Joseph F. Vitaterna, Steven Tattleman
  • Patent number: 11875345
    Abstract: A method for conducting a transaction between a plurality of partitions of a blockchain. In the method: on the partitions, smart contracts are provided, through the contracts, state channels are anchored in the partitions, and the transaction between the partitions Ls carried out on the state channels.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: January 16, 2024
    Assignee: ROBERT BOSCH GMBH
    Inventor: Alexander Poddey