Patents by Inventor Edison U. ORTIZ
Edison U. ORTIZ 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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Patent number: 12120166Abstract: 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: GrantFiled: June 14, 2022Date of Patent: October 15, 2024Assignee: ROYAL BANK OF CANADAInventors: Arnold Badal-Badalian, Edison U. Ortiz, William Kwok Hung Cheung, Seung Bong Baek, Ravi Khandavilli
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Publication number: 20240333510Abstract: A computer implemented system for electronic verification of credentials including at least one processor and data storage is described in various embodiments. The system includes cryptographic mechanisms and electronic communication between one or more computing systems that in concert, provide verification of a prover's credentials in accordance to logical conditions of a verifier's policy without providing additional information to a verifier entity.Type: ApplicationFiled: June 7, 2024Publication date: October 3, 2024Applicant: ROYAL BANK OF CANADAInventors: Edison U. ORTIZ, Arya POURTABATABAIE, Margaret Inez SALTER
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Publication number: 20240330924Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.Type: ApplicationFiled: June 10, 2024Publication date: October 3, 2024Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
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Publication number: 20240283654Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a “personal information bank”). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).Type: ApplicationFiled: April 29, 2024Publication date: August 22, 2024Inventors: Edison U. ORTIZ, Mohammad Abuzar SHAIKH, Margaret Inez SALTER, Sarah Rachel Waigh Yean WILKINSON, Arya POURTABATABAIE, Iustina-Miruna VINTILA
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Publication number: 20240257125Abstract: A computer-implemented platform for adjudicating an electronic payment transaction between a user and a merchant is provided. The platform includes a computer system configured for the generation of a data structure containing payment data; a mobile device associated with a user configured to provide a tokenized data set to the computer system; and a merchant or processing terminal configured to communicate a merchant transaction data set, and the computer system using at least one of the tokenized data set and merchant transaction data set to authorize the transaction and generate a transaction confirmation data set. Corresponding methods and computer-readable media are also provided.Type: ApplicationFiled: April 12, 2024Publication date: August 1, 2024Applicant: ROYAL BANK OF CANADAInventors: Timothy Dean MCGAUGH, Edison U. ORTIZ, Terry W.C. LEE, Jeremy Paul BORNSTEIN
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Publication number: 20240249001Abstract: Systems, methods, and corresponding non-transitory computer readable media describe a proposed system adapted as a platform governing the loading of data in a multiparty secure computing environment. In the multiparty secure computing environment described herein, multiple parties are able to load their secure information into a data warehouse having specific secure processing adaptations that limit both access and interactions with data stored thereon.Type: ApplicationFiled: February 16, 2024Publication date: July 25, 2024Inventors: Edison U. Ortiz, Arya Pourtabatabaie, Ambica Pawan Khandavilli, Margaret Inez Salter, Jordan Alexander Richards, Iustina-Miruna Vintila, David Ian MCKAY, Christoph KNOESS, Justin SIMONELIS
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Patent number: 12015714Abstract: A computer implemented system for electronic verification of credentials including at least one processor and data storage is described in various embodiments. The system includes cryptographic mechanisms and electronic communication between one or more computing systems that in concert, provide verification of a prover's credentials in accordance to logical conditions of a verifier's policy without providing additional information to a verifier entity.Type: GrantFiled: October 25, 2021Date of Patent: June 18, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Arya Pourtabatabaie, Margaret Inez Salter
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Patent number: 12008566Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.Type: GrantFiled: February 13, 2023Date of Patent: June 11, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Linda Mantia
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Publication number: 20240184898Abstract: A system for processing data within a Trusted Execution Environment (TEE) of a processor is provided. The system may include: a trust manager unit for verifying identity of a partner and issuing a communication key to the partner upon said verification of identity; at least one interface for receiving encrypted data from the partner encrypted using the communication key; a secure database within the TEE for storing the encrypted data with a storage key and for preventing unauthorized access of the encrypted data within the TEE; and a recommendation engine for decrypting and analyzing the encrypted data to generate recommendations based on the decrypted data.Type: ApplicationFiled: January 4, 2024Publication date: June 6, 2024Inventors: Edison U. ORTIZ, Arya POURTABATABAIE, Ambica Pawan KHANDAVILLI, Margaret Inez SALTER, Jordan Alexander RICHARDS, Iustina-Miruna VINTILA
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Publication number: 20240177187Abstract: 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: February 2, 2024Publication date: May 30, 2024Inventors: 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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Patent number: 11973877Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a “personal information bank”). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).Type: GrantFiled: December 26, 2022Date of Patent: April 30, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Mohammad Abuzar Shaikh, Margaret Inez Salter, Sarah Rachel Waigh Yean Wilkinson, Arya Pourtabatabaie, Iustina-Miruna Vintila
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Patent number: 11961075Abstract: A computer-implemented platform (1000) for conducting an electronic payment transaction between a user (104) and a merchant (102, 103) is provided. The platform (104) includes a computer system (100) configured for the generation of a data structure containing payment data; a mobile device (106, 800) associated with a user (104) configured to use the data structure generated by the computer system (100) to communicate an electronic message reflecting payment instructions; and a merchant or processing terminal (102, 103, 108) configured for communication with the mobile device (106) to receive the electronic message, and formulate a request to process the electronic payment transaction. Corresponding methods and computer-readable media are also provided.Type: GrantFiled: October 9, 2015Date of Patent: April 16, 2024Assignee: ROYAL BANK OF CANADAInventors: Timothy Dean McGaugh, Edison U. Ortiz, Terry W. C. Lee, Jeremy Paul Bornstein
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Patent number: 11956248Abstract: An electronic device includes a communication interface and at least one processor configured for: transmitting to or receiving from a second electronic device over proximity-based communication channel an introduction message including a first encryption key; receiving, from a server via the at least one communication interface, a challenge notification providing notification of a challenge to be completed to initiate a data process, the challenge notification including or providing access to at least one data field associated with a verification challenge; identifying, from the at least one data field, an encrypted challenge response value; decrypting the encrypted challenge response value with a key corresponding to the first encryption key; and transmitting the decrypted challenge response value to the server to complete the challenge to initiate the data process.Type: GrantFiled: April 30, 2021Date of Patent: April 9, 2024Assignee: ROYAL BANK OF CANADAInventors: Alex Tak Kwun Lau, Edison U. Ortiz, Akhil Gupta, Mohit Sharma, Lucas Joseph Manuel, Tian Jou Tendy Su
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Patent number: 11934540Abstract: Systems, methods, and corresponding non-transitory computer readable media describe a proposed system adapted as a platform governing the loading of data in a multiparty secure computing environment. In the multiparty secure computing environment described herein, multiple parties are able to load their secure information into a data warehouse having specific secure processing adaptations that limit both access and interactions with data stored thereon.Type: GrantFiled: September 13, 2021Date of Patent: March 19, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Arya Pourtabatabaie, Ambica Pawan Khandavilli, Margaret Inez Salter, Jordan Alexander Richards, Iustina-Miruna Vintila, David Ian McKay, Christoph Knoess, Justin Simonelis
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Publication number: 20240086898Abstract: An electronic payment device and methods of its operation are disclosed. The payment device has a secure element for storing payment tokens, each associated with a payment card; an input interface that enables a user to select from among the payment cards; a display interface; and a processor. In response to a user selection of one of the payment cards by way of the input interface, a descriptor of the selected payment card is displayed by way of the display interface; and an unconsumed one of the payment tokens associated with the selected payment card is activated to prepare the payment card device for effecting payment using the selected payment card, thereby consuming the payment token. The payment device also includes a wireless communication interface for receiving additional payment tokens, thereby replenishing the payment tokens.Type: ApplicationFiled: November 16, 2023Publication date: March 14, 2024Inventors: Edison U. ORTIZ, Mohit Murli AHUJA
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Publication number: 20240046253Abstract: Embodiments generally relate to the field of reward processing, and more particularly, systems, methods, and computer readable media for digital reward processing utilizing distributed ledger technology. Distributed ledger technology is utilized wherein distributed ledgers are stored on a plurality of node computing devices, the distributed ledgers including sequential entries that are cryptographically linked to one another.Type: ApplicationFiled: October 16, 2023Publication date: February 8, 2024Inventors: Edison U. ORTIZ, Iustina-Miruna VINTILA
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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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Patent number: 11893099Abstract: A technical validation mechanism is described that includes the use of facial feature recognition and tokenization technology operating in combination with machine learning models can be used such that specific facial or auditory characteristics of how an originating script is effectuated can be used to train the machine learning models, which can then be used to validate a video or a particular dynamically generated passphrase by comparing overlapping phonemes or phoneme transitions between the originating script and the dynamically generated passphrase.Type: GrantFiled: August 29, 2022Date of Patent: February 6, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Mohammad Abuzar Shaikh, Margaret Inez Salter, Sarah Rachel Waigh Yean Wilkinson, Arya Pourtabatabaie, Iustina-Miruna Vintila, Steven Fernandes, Sumit Kumar Jha
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Patent number: 11868486Abstract: A system for processing data within a Trusted Execution Environment (TEE) of a processor is provided. The system may include: a trust manager unit for verifying identity of a partner and issuing a communication key to the partner upon said verification of identity; at least one interface for receiving encrypted data from the partner encrypted using the communication key; a secure database within the TEE for storing the encrypted data with a storage key and for preventing unauthorized access of the encrypted data within the TEE; and a recommendation engine for decrypting and analyzing the encrypted data to generate recommendations based on the decrypted data.Type: GrantFiled: February 5, 2021Date of Patent: January 9, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Arya Pourtabatabaie, Ambica Pawan Khandavilli, Margaret Inez Salter, Jordan Alexander Richards, Iustina-Miruna Vintila
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Patent number: 11847635Abstract: An electronic payment device and methods of its operation are disclosed. The payment device has a secure element for storing payment tokens, each associated with a payment card; an input interface that enables a user to select from among the payment cards; a display interface; and a processor. In response to a user selection of one of the payment cards by way of the input interface, a descriptor of the selected payment card is displayed by way of the display interface; and an unconsumed one of the payment tokens associated with the selected payment card is activated to prepare the payment card device for effecting payment using the selected payment card, thereby consuming the payment token. The payment device also includes a wireless communication interface for receiving additional payment tokens, thereby replenishing the payment tokens.Type: GrantFiled: July 24, 2019Date of Patent: December 19, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Mohit Murli Ahuja