Patents by Inventor John K. Thomas

John K. Thomas 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: 20240135351
    Abstract: Implementations described herein relate to systems, methods and computer-readable media to provide high availability computer architectures for performing real-time authorization of transactions. In some implementations, the method includes receiving, at two or more groups of authorization control pods, transaction information about the transaction from a payment network, wherein each authorization control pod includes a processing service, a database service, and a policy agent; processing, at a corresponding policy agent of a single authorization control pod of the two or more groups of the authorization control pods, the transaction information by comparing one or more transaction attributes in the transaction information combined with contextual and historic data against one or more policies stored in the database service; and based on the comparison, transmitting one of an approval or a rejection of the transaction to the payment network.
    Type: Application
    Filed: January 1, 2024
    Publication date: April 25, 2024
    Applicant: Zact Inc.
    Inventors: Ioannis Georgiadis, John K. Thomas
  • Patent number: 11887089
    Abstract: Implementations described herein relate to dynamic and predictive updating of a payment attribute of a payment instrument. In some implementations, the method includes receiving, at a computing device, route data for a plurality of trips, receiving, at the computing device, first trip data for the first trip from the user device, wherein the first trip data includes at least location data of the user device, calculating, based on the received first trip data, a fuel likelihood score for the first trip, comparing the fuel likelihood score to a first threshold, based on a determination that the fuel likelihood score meets the first threshold: transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument, and displaying an indication that the first payment instrument is approved for the fuel transaction.
    Type: Grant
    Filed: September 28, 2021
    Date of Patent: January 30, 2024
    Assignee: Zact, Inc.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Publication number: 20230046426
    Abstract: A verification system is provided that can enable tracking of online advertisements with successful sales of goods or services. The system can receive an advertisement tag as part of a request by a user relating to the product or service, the advertisement tag comprising an identity of a publisher of an advertisement regarding a product or service offered by a vendor, the publisher being different from the vendor; determine a contribution of the publisher's advertisement to the request; and update a set of transaction data structures in an electronic record to associate the identified publisher and contribution with the request.
    Type: Application
    Filed: December 23, 2020
    Publication date: February 16, 2023
    Inventors: Gopalakrishnan HARIHARAN, John K. THOMAS
  • Patent number: 11475104
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: October 18, 2022
    Assignee: ZACT INC.
    Inventor: John K. Thomas
  • Publication number: 20220101288
    Abstract: Implementations described herein relate to dynamic and predictive updating of a payment attribute of a payment instrument. In some implementations, the method includes receiving, at a computing device, route data for a plurality of trips, receiving, at the computing device, first trip data for the first trip from the user device, wherein the first trip data includes at least location data of the user device, calculating, based on the received first trip data, a fuel likelihood score for the first trip, comparing the fuel likelihood score to a first threshold, based on a determination that the fuel likelihood score meets the first threshold: transmitting, to a computer associated with a payment network, a message to update one or more payment attributes stored at the payment network and associated with the first payment instrument, and displaying an indication that the first payment instrument is approved for the fuel transaction.
    Type: Application
    Filed: September 28, 2021
    Publication date: March 31, 2022
    Applicant: Zact Inc.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Publication number: 20210312447
    Abstract: An authentication technique is disclosed that uses a distributed secure listing of transactions that includes encrypted data that can be used to authenticate a principal to a verifier.
    Type: Application
    Filed: June 21, 2021
    Publication date: October 7, 2021
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Patent number: 11042878
    Abstract: An authentication technique is disclosed that uses a distributed secure listing of transactions that includes encrypted data that can be used to authenticate a principal to a verifier.
    Type: Grant
    Filed: January 19, 2017
    Date of Patent: June 22, 2021
    Assignee: PRIV8PAY, INC.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Patent number: 11004072
    Abstract: An authentication technique is disclosed that uses a distributed secure listing of transactions that includes encrypted data that can be used to authenticate a principal to a verifier.
    Type: Grant
    Filed: November 10, 2017
    Date of Patent: May 11, 2021
    Assignee: PRIV8PAY, INC.
    Inventors: Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Publication number: 20210014060
    Abstract: An authentication technique is disclosed that uses a distributed secure listing of transactions that includes encrypted data that can be used to authenticate a principal to a verifier.
    Type: Application
    Filed: January 19, 2017
    Publication date: January 14, 2021
    Applicant: PRIV8PAY, INC.
    Inventors: Ioannis GEORGIADIS, Gopalakrishnan HARIHARAN, John K. THOMAS
  • Publication number: 20200118137
    Abstract: A transaction management service and method are disclosed that can streamline transaction tracking and budget management. Transactions may be pre-approved based on inheritance and/or context-based authorization. The system can integrate a payment method, transaction tracking service, and a budget allocation service, among other operations.
    Type: Application
    Filed: October 15, 2019
    Publication date: April 16, 2020
    Inventors: Vishal Sood, Ioannis Georgiadis, Gopalakrishnan Hariharan, John K. Thomas
  • Publication number: 20190332746
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Application
    Filed: July 9, 2019
    Publication date: October 31, 2019
    Inventor: John K. Thomas
  • Patent number: 10366212
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: July 30, 2019
    Inventor: John K. Thomas
  • Publication number: 20190080058
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Application
    Filed: November 9, 2018
    Publication date: March 14, 2019
    Inventor: John K. Thomas
  • Patent number: 10157269
    Abstract: A verification system, includes: an arithmetic/logic unit (“ALU”) to perform one or more mathematical operations and compare selected variables; a register to hold a value from a comparison of selected variables performed by the ALU; an instruction decoder to provide read and write commands to memory; an address bus to provide an address to memory for a read or write operation; and a data bus to provide or access data for a write or read operation to or from memory, wherein the ALU generates and provides a recipient identifier to a target computational device, the recipient identifier being related to an identity of the target computational device and/or a target device human operator, and write the recipient identifier to memory in response to a write command issued by the instruction decoder and, as a part of a transaction, the ALU receives, from a user computational device of a first user, the recipient identifier and a credential of the first user and/or user computational device, compares each of the rec
    Type: Grant
    Filed: August 24, 2015
    Date of Patent: December 18, 2018
    Inventor: John K. Thomas
  • Publication number: 20180137512
    Abstract: An authentication technique is disclosed that uses a distributed secure listing of transactions that includes encrypted data that can be used to authenticate a principal to a verifier.
    Type: Application
    Filed: November 10, 2017
    Publication date: May 17, 2018
    Inventors: Ioannis GEORGIADIS, Gopalakrishnan HARIHARAN, John K. THOMAS
  • Patent number: 9805369
    Abstract: A system allows for conducting the financial and commercial (buying, selling, donating, gifting and paying) transactions that leverage communication devices to avoid the disclosure of a user's payment information. The payee (seller, seller's agent, receiver of funds, etc.) provides information or a token to the payer (buyer, buyer's agent, or any other provider of funds) who then directs funds to that token. In other words, rather than the payer providing information that is used by the payee to “pull” funds from the payer, the system allows a payee to provide information to which a payer “pushes” a payment. Since the payment is “pushed” by a customer, and often, but not always, using some type of a communication and/or computing device, the point-of-sale (POS) terminal has essentially been transferred from the merchant to the customer.
    Type: Grant
    Filed: May 6, 2011
    Date of Patent: October 31, 2017
    Inventor: John K. Thomas
  • Patent number: 9647708
    Abstract: A multi-mode receiver includes a channel decomposition module (e.g., a Rake receiver) for separating a received signal into multipath components, an interference selector for selecting interfering paths and subchannels, a synthesizer for synthesizing interference signals from selected sub channel symbol estimates, and an interference canceller for cancelling selected interference in the received signal. At least one of the channel decomposition module, the synthesizer, and the interference canceller are configurable for processing multi-mode signals.
    Type: Grant
    Filed: August 30, 2010
    Date of Patent: May 9, 2017
    Assignee: III HOLDINGS 1, LLC
    Inventors: Louis L. Scharf, Vijay Nagarajan, John K. Thomas
  • Publication number: 20170070260
    Abstract: A receiver includes a first finger that receives a non-interference-cancelled signal and output first demodulated data, a first phase estimate, and a first PN code. The receiver also includes a second finger that selectively receives the non-interference-cancelled signal and a first interference-cancelled signal generated from the non-interference-cancelled signal based on the first phase estimate and the first PN code. The second finger also outputs second demodulated data.
    Type: Application
    Filed: November 8, 2016
    Publication date: March 9, 2017
    Inventors: ANAND P. NARAYAN, JOHN K. THOMAS, ERIC S. OLSON
  • Patent number: 9544044
    Abstract: The present invention provides systems and methods for parallel interference suppression. In one embodiment of the invention, a processing engine is used to substantially cancel a plurality of interfering signals within a received signal. The processing engine includes a plurality of matrix generators that are used to generate matrices, each matrix comprising elements of a unique interfering signal selected for cancellation. The processing engine also includes one or more processors that use the matrices to generate cancellation operators. A plurality of applicators applies the cancellation operators to parallel but not necessarily unique input signals to substantially cancel the interfering signals from the input signals. These input signals may include received signals, interference cancelled signals and/or PN codes.
    Type: Grant
    Filed: December 13, 2010
    Date of Patent: January 10, 2017
    Assignee: III Holdings 1, LLC
    Inventors: Anand P. Narayan, Eric S. Olson, John K. Thomas
  • Patent number: 9490857
    Abstract: A receiver includes a first finger that receives a non-interference-cancelled signal and output first demodulated data, a first phase estimate, and a first PN code. The receiver also includes a second finger that selectively receives the non-interference-cancelled signal and a first interference-cancelled signal generated from the non-interference-cancelled signal based on the first phase estimate and the first PN code. The second finger also outputs second demodulated data.
    Type: Grant
    Filed: October 28, 2015
    Date of Patent: November 8, 2016
    Assignee: III Holdings 1, LLC
    Inventors: Anand P. Narayan, John K. Thomas, Eric S. Olson