Patents by Inventor Arnold BADAL-BADALIAN
Arnold BADAL-BADALIAN has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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SYSTEMS AND METHODS FOR SECURE DATA COMMUNICATIONS FOR STREAMLINED ELECTRONIC TRANSACTION PROCESSING
Publication number: 20240146527Abstract: A system for secure data communications for streamlined electronic transaction processing is described in some embodiments that is adapted to adaptively handle a new transaction request from a user from a portable device through a web interface, which may be accessed, for example, through a web browser or through a mobile application residing on the user's portable device. The adaptation can include a dynamically set device binding and/or fingerprint data payload, which can be automatically updated in certain situations to account for feature drift, avoiding issues associated with stale bindings.Type: ApplicationFiled: October 31, 2023Publication date: May 2, 2024Inventors: Arnold BADAL-BADALIAN, Seung Bong BAEK -
Patent number: 11928686Abstract: A system for secure identity data tokenization and processing, the system adapted to receive a loan provisioning request from a merchant computing device associated with an individual and to receive, from a secure identity verification computing device, a secure identity token data object attesting to an identity of the individual. A secure identity token data object is processed to verify the identity of the individual and to initiate a loan origination process. A request for an electronic transaction to be paid or partially paid using funds represented in the dynamic card token data object associated with the unique loan identifier data value and a a payment package data object is generated to encapsulate a tokenized representation of a dynamic card data object associated with the dynamic card token data object, an electronic representation of the funds to be provided from the dynamic card token data object.Type: GrantFiled: July 13, 2021Date of Patent: March 12, 2024Assignee: ROYAL BANK OF CANADAInventors: Benoit Germain, Arnold Badal-Badalian, Seung Bong Baek
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Patent number: 11893597Abstract: A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.Type: GrantFiled: May 17, 2022Date of Patent: February 6, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, David Ian Mckay, Christoph Knoess, Seung Bong Baek, Ravi Khandavilli, Adel Al Nabulsi, Arnold Badal-Badalian, Justin Simonelis
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Publication number: 20230401554Abstract: Systems, devices, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices and methods in accordance with the disclosure can be used to create pre-funded payment token data sets, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.Type: ApplicationFiled: August 28, 2023Publication date: December 14, 2023Inventors: Edison U. ORTIZ, Terry W. LEE, Marko PAVLOVIC, Arnold BADAL-BADALIAN
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Patent number: 11775953Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.Type: GrantFiled: December 23, 2021Date of Patent: October 3, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Marko Pavlovic, Arnold Badal-Badalian
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Publication number: 20230252463Abstract: A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. Dynamic credentials are provided by the financial institution system and combined with pre-populated tokenized credentials during automatic entry into the payment form.Type: ApplicationFiled: April 12, 2023Publication date: August 10, 2023Inventors: Arnold BADAL-BADALIAN, Seung Bong BAEK, Ravi KHANDAVILLI
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Publication number: 20220400145Abstract: Systems, methods, and computer readable media are directed in various embodiments for providing multiuser sessions for coordinated electronic transactions. A technical solution is directed to coordinating the electronic transactions across a plurality of instances, where the underlying users of the instances can include at least two users. Access to sensitive information can be restricted using a trusted execution environment and access can be given in accordance with the coordinated electronic transactions.Type: ApplicationFiled: June 14, 2022Publication date: December 15, 2022Inventors: Arnold BADAL-BADALIAN, Edison U. ORTIZ, William Kwok Hung CHEUNG, Seung Bong BAEK, Ravi KHANDAVILLI
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Publication number: 20220391883Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.Type: ApplicationFiled: June 6, 2022Publication date: December 8, 2022Inventors: Edison U. ORTIZ, Arnold BADAL-BADALIAN, Ambica Pawan KHANDAVILLI, Rasha KHAYAT, Iustina-Miruna VINTILA, Nikhil Singh SHEKHAWAT
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Publication number: 20220309502Abstract: Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.Type: ApplicationFiled: March 23, 2022Publication date: September 29, 2022Inventors: Edison U. ORTIZ, Arnold BADAL-BADALIAN, Ming Li LIU, Ravi KHANDAVILLI
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Publication number: 20220300999Abstract: A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.Type: ApplicationFiled: May 17, 2022Publication date: September 22, 2022Inventors: Edison U. ORTIZ, David Ian MCKAY, Christoph KNOESS, Seung Bong BAEK, Ravi KHANDAVILLI, Adel Al NABULSI, Arnold BADAL-BADALIAN
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Publication number: 20220237610Abstract: A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details.Type: ApplicationFiled: January 26, 2022Publication date: July 28, 2022Inventors: Arnold BADAL-BADALIAN, Seung Bong BAEK, Syed Ahmar IMAM
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Patent number: 11354651Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.Type: GrantFiled: June 13, 2018Date of Patent: June 7, 2022Assignee: Royal Bank of CanadaInventors: Edison U. Ortiz, Arnold Badal-Badalian, Ambica Pawan Khandavilli, Rasha Khayat, Iustina-Miruna Vintila, Nikhil Singh Shekhawat
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Publication number: 20220114571Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.Type: ApplicationFiled: December 23, 2021Publication date: April 14, 2022Inventors: Edison U. ORTIZ, Terry W. LEE, Marko PAVLOVIC, Arnold BADAL-BADALIAN
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Publication number: 20220012739Abstract: A system for secure identity data tokenization and processing, the system adapted to receive a loan provisioning request from a merchant computing device associated with an individual and to receive, from a secure identity verification computing device, a secure identity token data object attesting to an identity of the individual. A secure identity token data object is processed to verify the identity of the individual and to initiate a loan origination process. A request for an electronic transaction to be paid or partially paid using funds represented in the dynamic card token data object associated with the unique loan identifier data value and a a payment package data object is generated to encapsulate a tokenized representation of a dynamic card data object associated with the dynamic card token data object, an electronic representation of the funds to be provided from the dynamic card token data object.Type: ApplicationFiled: July 13, 2021Publication date: January 13, 2022Inventors: Benoit GERMAIN, Arnold BADAL-BADALIAN, Seung Bong BAEK
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Patent number: 11210648Abstract: Systems 10, devices 106, methods, and non-transient machine-interpretable programming and/or other instruction products for the generation, transfer, storage, and other processing of secure data sets 11 used in electronic payment transactions, including particularly the secure creation, administration, manipulation, processing, and storage of electronic data useful in processing of pre-funded, pre-paid, and/or otherwise pre-authorized payment transactions. Devices 106, 100, 101 and methods in accordance with the disclosure can be used to create pre-funded payment token data sets 11, the token data sets comprising secure data items or records representing negotiable monetary or other economic value, and to share them between network communication devices 106 such as smart phones, home or business desktop computers, etc., for use in purchases and other transactions.Type: GrantFiled: March 8, 2017Date of Patent: December 28, 2021Assignee: Royal Bank of CanadaInventors: Edison U. Ortiz, Terry W. Lee, Marko Pavlovic, Arnold Badal-Badalian
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Publication number: 20210312440Abstract: A computer system and method for tokenizing an IoT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.Type: ApplicationFiled: June 18, 2021Publication date: October 7, 2021Inventors: Arnold BADAL-BADALIAN, Edison U. ORTIZ, Ambica Pawan KHANDAVILLI, Seung Bong BAEK, Manuel ROGGERO, Raghavendra AGRAWAL
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Publication number: 20200160323Abstract: Processing a transaction includes receiving transaction data for a transaction performed at a merchant, the transaction data including a tokenized universal identifier, a merchant identifier, and a transaction variable; detokenizing the transaction data to determine a universal identifier; identifying multiple accounts associated with the universal identifier; selecting, from the multiple accounts, an account to assign to the transaction, based at least in part on the universal identifier, the merchant identifier, and the transaction variable; and sending account information associated with the selected account to a payment processor to authorize the transaction.Type: ApplicationFiled: November 21, 2019Publication date: May 21, 2020Inventors: Lauren Ledwell, Steven Noseworthy, Arnold Badal-Badalian
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Publication number: 20180293573Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.Type: ApplicationFiled: June 13, 2018Publication date: October 11, 2018Inventors: Edison U. ORTIZ, Arnold BADAL-BADALIAN, Ambica Pawan KHANDAVILLI, Rasha KHAYAT, Iustina-Miruna VINTILA, Nikhil Singh SHEKHAWAT
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Publication number: 20180253727Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such methods, systems (100), and data structures enable designation by users of transaction controllers (110) of logical criteria to be applied in generation of data sets identifying preferred sets of financial account(s) to be applied in satisfaction of electronic payment transactions processed over data communication networks 200 between account administration systems 120, 160, and merchant systems 130, in advance of or at the time of the transactions.Type: ApplicationFiled: January 31, 2018Publication date: September 6, 2018Inventors: Edison U. Ortiz, Arnold Badal-Badalian, Anuradha Devi Dodda
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Publication number: 20180150830Abstract: Systems, devices and processes for electronic commerce payment processing using a handle and a mobile device with a mobile wallet application installed thereon. The handle may be used at a merchant website to process the electronic commerce payment for instead of providing payment information and/or personally identifiable information. That is, the handle may not include payment information and/or personally identifiable information.Type: ApplicationFiled: November 24, 2017Publication date: May 31, 2018Inventors: Arnold BADAL-BADALIAN, Seung Bong BAEK, Syed Ahmar IMAM, Benoit GERMAIN, Anuradha Devi DODDA