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).
-
Publication number: 20200014537Abstract: 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: July 3, 2019Publication date: January 9, 2020Inventors: Edison U. ORTIZ, Arya POURTABATABAIE, Margaret Inez SALTER
-
Publication number: 20190362083Abstract: 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: May 28, 2019Publication date: November 28, 2019Inventors: Edison U. ORTIZ, Arya POURTABATABAIE, Ambica Pawan KHANDAVILLI, Margaret Inez SALTER, Jordan Alexander RICHARDS, Iustina-Miruna VINTILA
-
Publication number: 20190073666Abstract: 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: August 10, 2018Publication date: March 7, 2019Inventors: Edison U. ORTIZ, Iustina-Miruna VINTILA
-
Publication number: 20180300741Abstract: A bid platform for electronic commerce uses smart contracts and a distributed ledger to manage bids and offers for products. The bid platform receives a bid for a product, generates a bid event on a distributed ledger using the smart contracts, propagates the bid event to merchants using the smart contracts and the distributed ledger, receives one or more offers, generates one or more offer events on the distributed ledger using the smart contracts, propagates the one or more offer events using the smart contracts and the distributed ledger, and receives an accepted offer.Type: ApplicationFiled: April 12, 2018Publication date: October 18, 2018Inventors: Peter Vincent LEONARD, Edison U. ORTIZ, Iustina-Miruna VINTILA, Marko PAVLOVIC
-
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
-
Publication number: 20180268401Abstract: There is provided a computer-implemented system for blockchain transaction settlement, the system including: a plurality of private nodes, each private node including at least one computing device and configured to maintain and update a private distributed ledger; and at least one communication interface between at least one of the plurality of private nodes and at least one public node of a plurality of public nodes which maintain and update a public distributed ledger. At least one private node may be configured for activities relating to the public nodes, such as receiving information, monitoring, verifications, among others.Type: ApplicationFiled: March 16, 2018Publication date: September 20, 2018Inventors: Edison U. ORTIZ, Iustina-Miruna VINTILA
-
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
-
Publication number: 20180159865Abstract: 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: ApplicationFiled: December 1, 2017Publication date: June 7, 2018Inventors: Alex Tak Kwun LAU, Edison U. ORTIZ, Akhil GUPTA, Mohit SHARMA, Lucas Joseph MANUEL, Tian Jou Tendy SU
-
Publication number: 20170330181Abstract: Systems 100; devices 110, 120, 130, 150, 160; methods 2400, 2500; and machine-executable programming structures stored in persistent (i.e., non-transitory), computer-readable media 604, 606, 618, 126, 139 for the rapid and secure negotiation, authorization, execution, and confirmation of multi-party data processes, including payment transactions conducted between purchasers 190 having electronic access to bank accounts and other sources of payment, merchants operating e- and/or m-commerce transaction systems 132, 134, 136, and banks and other financial institutions 120 capable of electronically communicating with both.Type: ApplicationFiled: July 13, 2017Publication date: November 16, 2017Inventor: Edison U. ORTIZ
-
Publication number: 20170249622Abstract: 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: March 8, 2017Publication date: August 31, 2017Inventors: Edison U. ORTIZ, Terry W. Lee, Marko Pavlovic, Amold Badal-Badalian
-
Publication number: 20170161735Abstract: 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: January 24, 2017Publication date: June 8, 2017Applicant: ROYAL BANK OF CANADAInventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
-
Publication number: 20170017958Abstract: 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 systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: ApplicationFiled: July 2, 2016Publication date: January 19, 2017Inventors: Stephen James SCOTT, Weigiang YIN, Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO
-
Publication number: 20160210626Abstract: Systems (100), 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 systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).Type: ApplicationFiled: January 19, 2016Publication date: July 21, 2016Inventors: Edison U. ORTIZ, Terry W. LEE, Gabriel Y. WOO, Stephen James SCOTT, Weiqiang YIN
-
Publication number: 20160104155Abstract: 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: ApplicationFiled: October 9, 2015Publication date: April 14, 2016Inventors: Timothy Dean MCGAUGH, Edison U. ORTIZ, Terry W.C. LEE, Jeremy Paul BORNSTEIN
-
Publication number: 20160019536Abstract: Systems, methods, and 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. Some embodiments provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include 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: September 29, 2015Publication date: January 21, 2016Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA, Pawan KHANDAVILLI
-
Publication number: 20150235212Abstract: 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: May 6, 2015Publication date: August 20, 2015Inventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA
-
Patent number: 9082119Abstract: 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: GrantFiled: October 17, 2013Date of Patent: July 14, 2015Assignee: Royal Bank of Canada.Inventors: Edison U. Ortiz, Terry W. Lee
-
Publication number: 20150186879Abstract: 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: December 27, 2013Publication date: July 2, 2015Inventors: Edison U. ORTIZ, Terry W. Lee, Linda Mantia
-
Publication number: 20140279552Abstract: 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: May 26, 2014Publication date: September 18, 2014Applicant: ROYAL BANK OF CANADAInventors: EDISON U. ORTIZ, TERRY W. LEE, LINDA MANTIA
-
Publication number: 20140108263Abstract: 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: October 17, 2013Publication date: April 17, 2014Applicant: ROYAL BANK OF CANADAInventors: Edison U. ORTIZ, Terry W. LEE, Linda MANTIA