Patents Examined by Steven Kim
  • Patent number: 9881303
    Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check the customer in at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.
    Type: Grant
    Filed: June 5, 2014
    Date of Patent: January 30, 2018
    Assignee: PAYPAL, INC.
    Inventors: Nikant Vohra, Priyanshu Agarwal, Tushar Raibhandare, Prasanna Annamalai, Anupam Pahuja
  • Patent number: 9830599
    Abstract: An improved technique of processing an electronic transaction is disclosed. In the improved technique, a validation operation is performed on a set of standard user input and a set of peripheral device data received by a server connected to a client computer, the validation operation verifying a link between the set of standard user input and the set of peripheral device data. Based on results of the validation operation, an authorization code is assigned to the electronic transaction.
    Type: Grant
    Filed: December 21, 2010
    Date of Patent: November 28, 2017
    Assignee: EMC IP Holding Company LLC
    Inventors: Amnon Khen, Roy Hodgman, Alon Kaufman
  • Patent number: 9830595
    Abstract: Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling a “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand-alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.
    Type: Grant
    Filed: January 28, 2013
    Date of Patent: November 28, 2017
    Assignee: Visa International Service Association
    Inventors: Lisa Anderson, Seamus Cushley
  • Patent number: 9818092
    Abstract: A system for implementing at least one cryptocurrency transaction at a point-of-sale by using a mobile terminal is provided. The system is operable to provide authentication for implementing the one or more cryptocurrency transactions, wherein the system is operable to send at least one authentication request for the at least one cryptocurrency transaction from a payment terminal to a payment service hosted via one or more virtual computing machines, wherein the payment service is operable to provide a request for a PIN code at the mobile terminal; to send the PIN code from the mobile terminal via a secure channel to open a vault in the one or more virtual machines, wherein the vault contains one or more private keys (PKI) which are useable for authenticating the at least one cryptocurrency transaction; and to confirm execution of the at least one cryptocurrency transaction to at least the payment terminal.
    Type: Grant
    Filed: June 4, 2014
    Date of Patent: November 14, 2017
    Inventor: Antti Pennanen
  • Patent number: 9807248
    Abstract: A method and a system for exercising policy control, a policy and charging enforcement function (PCEF), and a policy control and charging rules function (PCRF) are provided, which can solve the problem that no policy control can be exercised over application service flows without an application function (AF). The method includes of the following steps: a PCRF receiving information about an application event sent by a PCEF; and the PCRF generating a control policy for a service flow of the application according to the information about the application event, and delivering the control policy to the PCEF.
    Type: Grant
    Filed: October 23, 2009
    Date of Patent: October 31, 2017
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Weihua Wei, Xinfa Wang, Cheng Chen, Shiyong Tan, Yan Li, Shibi Huang, Peng Zhao, Yuxin Mao
  • Patent number: 9792609
    Abstract: Systems and methods disclosed herein related to a fraud detection system that receives data from multiple sources and normalizes the data to create transaction data using overlapping data from the multiple sources. Fraud analysis is performed using a probabilistic approach to alert generation, wherein alerts are only sent to customers when the probability of fraud exceeds a threshold. As a result, false positives are avoided.
    Type: Grant
    Filed: August 25, 2014
    Date of Patent: October 17, 2017
    Inventors: Andrew Burke, Thomas Chalker, Jamie King, Jonathan Lilly, Alain O'Dea, Raymond Pretty, Charles Robertson, Shuang Wu
  • Patent number: 9755896
    Abstract: A method is disclosed for preventing malicious settings changes to IEDs in a power transmission and distribution network. Attempted changes to the protection settings of an IED is detected and transmitted to one or more neighboring IEDs. The neighboring IEDs check for consistency of the new settings and return conformance or nonconformance signals. If a nonconformance signal is received, the attempted setting change is not allowed.
    Type: Grant
    Filed: May 27, 2009
    Date of Patent: September 5, 2017
    Assignee: ABB Research Ltd.
    Inventors: Reynaldo Nuqui, Le Tang
  • Patent number: 9724611
    Abstract: There is provided a method of synchronizing a portable device with an online user account.
    Type: Grant
    Filed: May 21, 2008
    Date of Patent: August 8, 2017
    Assignee: Disney Enterprises, Inc.
    Inventor: Christopher Heatherly
  • Patent number: 9728028
    Abstract: The invention relates to an innovative device which is used to secure payments or transactions made with a smart card and to validate the identity of the smart card holder using a client/server biometric control operation, regardless of whether said payments or transactions are made directly at a point of sale or from a PC (personal computer or shared open-access computer) which is connected to the Internet or using a mobile telephone, a portable computer (also known as a laptop), a PDA (Personal Device Assistant) or any other mobile or fixed means that can connect to any telecommunication network and carry out a transaction involving the use of biometrics at the transaction generation point. The invention also relates to smart-card-holding employees of financial institutions who perform professional inter-bank transfers.
    Type: Grant
    Filed: February 21, 2006
    Date of Patent: August 8, 2017
    Inventors: Yves Chemla, Christophe Richard
  • Patent number: 9721279
    Abstract: Determining a mobile operator for a mobile device. The mobile operator is determined using one or more of an international mobile subscriber identity (IMSI) and a current operator name (CON) and service provider name (SPN) pair. Correlations between the IMSI and mobile operators, and between the CON/SPN pairs and mobile operators, are maintained. Correlations between unrecognized CON/SPN pairs and mobile operators are created based on a quantity of requests received from the mobile devices. In some embodiments, identifying the mobile operator enables financial transactions by the mobile device when visiting, for example, a mobile applications store.
    Type: Grant
    Filed: March 23, 2010
    Date of Patent: August 1, 2017
    Assignee: Microsoft Technology Licensing, LLC
    Inventor: Kamran Rajabi Zargahi
  • Patent number: 9710808
    Abstract: Methods and systems are provided for the exchange of digital cash employing protocols for various entities to separately certify the validity of the parties, values and transactions while maintaining the anonymity of the buyer or user of the digital cash. Encrypted connections are established allowing various parties to enter into transactions to buy, sell, exchange and recover digital cash using a secure method that protects the personal information and identity of the user. The parties exchange tokens for other value in a transaction of financial settlement between themselves and wherein they are the only parties with knowledge of the amount and description of the transaction and in this way mimics a traditional cash transaction.
    Type: Grant
    Filed: September 8, 2014
    Date of Patent: July 18, 2017
    Inventor: Igor V. Slepinin
  • Patent number: 9665866
    Abstract: The present disclosure includes a smart card. The smart card includes an audio module to receive a money deduction request in a form of an external audio signal from an external device, wherein the monetary-amount deduction request includes a monetary amount to be deducted and the external device's identification information. The smart card further includes a data processing module to authenticate the external device's identification information, deduct the monetary amount from the smart card after the authentication of the external device's identification information is passed, and generate monetary-amount-deduction result information. The audio module transmits to the external device the monetary-amount-deduction result information in a form of an audio signal, wherein the monetary-amount-deduction result information includes a deducted monetary amount to be added to the external device and the smart card's identification information to be authenticated by the external device.
    Type: Grant
    Filed: September 18, 2014
    Date of Patent: May 30, 2017
    Inventors: Shiying Liu, Rui Dong, Simin Guan, Hao Zou, Genping Wang
  • Patent number: 9652769
    Abstract: A token is generated and processed as a substitute for sensitive information, e.g., payment information associated with a customer making a purchase of a product/service from a vendor. The customer's payment information is encrypted and stored in a first memory record of a secure computer system. A token is generated that includes memory-related information identifying the first memory record, and the token is transmitted to the vendor for storage in a customer record. To facilitate payment for the purchase, the vendor transmits the token to another party (e.g., a billing service or payment processor), and the encrypted payment information is read from the first memory record of the secure computer system based on the memory-related information in the token. The encrypted payment information is then decrypted to recover the payment information which is then used to effect payment.
    Type: Grant
    Filed: November 7, 2012
    Date of Patent: May 16, 2017
    Assignee: Carbonite, Inc.
    Inventor: Eric J. Golin
  • Patent number: 9639696
    Abstract: A method and apparatus for analyzing end user license agreements and taking action based on the analysis outcome. In one embodiment, the method includes sensing initialization of an installable software program installation, extracting a EULA from the installable during installation, pausing presentation of the EULA to a user, providing a database of suspect terms, analyzing whether a suspect term exists in the EULA, and presenting at least one of the EULA or a suspect term to the user.
    Type: Grant
    Filed: September 29, 2006
    Date of Patent: May 2, 2017
    Assignee: Symantec Operating Corporation
    Inventors: Sree Hari Nagaralu, Prabhat Kumar Singh
  • Patent number: 9626668
    Abstract: A system and method for creating a rights expression for association with an item for use in a system for controlling use of the item in accordance with the rights expression, including specifying rights expression information indicating a manner of use of an item, the rights expression information including at least one element, the element having a variable and corresponding value for the variable; and performing an encoding process, including determining an identifier associated with a template corresponding to the rights expression information, extracting from the rights expression information the value for the variable corresponding to the element, and encoding a license adapted to be enforced on a device based on the variable and the identifier, the license including an identification of the template and the value for the variable.
    Type: Grant
    Filed: September 4, 2008
    Date of Patent: April 18, 2017
    Inventors: Michael C. Raley, Charles P. Gilliam, Manual Ham, Guillermo Lao, Bijan Tadayon
  • Patent number: 9626511
    Abstract: Application authorization management is provided without installation of an agent at an operating system level. A component runs outside of the operating system, in an AMT environment. AMT is utilized to examine the operating system for applications. Identified applications are checked against a whitelist or a blacklist. Responsive to determining that an identified application is not authorized, AMT is used to redirect input/output requests targeting the application to an alternative image, which can, for example, warn the user that the application is not authorized.
    Type: Grant
    Filed: August 26, 2008
    Date of Patent: April 18, 2017
    Assignee: Symantec Corporation
    Inventors: Bruce McCorkendale, Matthew Steele, William E. Sobel
  • Patent number: 9626667
    Abstract: Systems and methods are described for performing digital rights management. In one embodiment, a digital rights management engine is provided that evaluates license associated with protected content to determine if a requested access or other use of the content is authorized. In some embodiments, the licenses contain control programs that are executable by the digital rights management engine.
    Type: Grant
    Filed: October 18, 2006
    Date of Patent: April 18, 2017
    Assignee: Intertrust Technologies Corporation
    Inventors: Gilles Boccon-Gibod, Julien G. Boeuf, Michael G. Manente, William B. Bradley
  • Patent number: 9600808
    Abstract: A payment card system uses a static payment card identifying number and generates, for each attempted transaction, an authentication cryptogram based at least upon a seed value stored within the payment card and further based upon a temporal signal value that changes for each attempted use of the payment card. The authentication cryptogram may be alpha-numerically encoded, preferably using a radix-32 coding to provide 5-bits of information for each character or symbol, and may be communicated in a 26-character payment card account name field instead of communicating a payment account name in said payment card account name field, to thus convey up to 130-bits of information while maintaining compatibility with existing point-of-sale equipment and payment system infrastructure.
    Type: Grant
    Filed: June 22, 2012
    Date of Patent: March 21, 2017
    Assignee: EPIC ONE TEXAS, LLC
    Inventors: William Gomez, Sr., William Gomez, Jr., Oscar J. Gomez
  • Patent number: 9589115
    Abstract: An obfuscation assisting apparatus assists in the obfuscation of a program. The obfuscation assisting apparatus includes an analyzer which identifies corresponding respective blocks in the source code and in the transformed code generated through the obfuscation of the source code. A browser obtains obfuscation information relating to obfuscation of the respective blocks of the source code and the transformed code, and causes an output device to display the respective parts of the source code and the transformed code, and the obfuscation information in association with each other.
    Type: Grant
    Filed: January 17, 2008
    Date of Patent: March 7, 2017
    Inventors: Kenneth Alexander Nicolson, Rieko Asai, Taichi Sato, Hideki Matsushima
  • Patent number: 9563882
    Abstract: A method and a system perform software suite activation. In some embodiments, a method includes installing a software suite having a number of software products onto a computer device. If a copy of one of the number of software products is already activated on the computer device, the installing includes deactivating a license of the copy of the one of the number of software products. Additionally, if a copy of one of the number of software products is already activated on the computer device, the installing includes adopting, by the software suite, the copy of the one of the number of software products.
    Type: Grant
    Filed: February 9, 2009
    Date of Patent: February 7, 2017
    Assignee: Adobe Systems Incorporated
    Inventors: Shyam Sunder Vijay, Xuejun Xu