Patents by Inventor Matthew Melnik

Matthew Melnik 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: 20260203388
    Abstract: A system includes memory hardware configured to store instructions and one or more electronic processors configured to execute the instructions. The instructions include logging historical behavioral biometric metadata from one or more computing platforms, generating a user profile based on the logged historical behavioral biometric metadata, receiving an authentication request from a client computing platform, providing the first behavioral biometric metadata and the user profile to a trained machine learning model to generate a biometric match, generating a positive control signal in response to a positive biometric match, sending the positive control signal to the client computing platform, updating the historical behavioral biometric metadata with the first behavioral biometric metadata, and retraining the trained machine learning model using the updated historical behavioral biometric metadata. The authentication request includes first behavioral biometric metadata.
    Type: Application
    Filed: March 9, 2026
    Publication date: July 16, 2026
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Patent number: 12602462
    Abstract: A system includes memory hardware configured to store instructions and one or more electronic processors configured to execute the instructions. The instructions include logging historical behavioral biometric metadata from one or more computing platforms, generating a user profile based on the logged historical behavioral biometric metadata, receiving an authentication request from a client computing platform, providing the first behavioral biometric metadata and the user profile to a trained machine learning model to generate a biometric match, generating a positive control signal in response to a positive biometric match, sending the positive control signal to the client computing platform, updating the historical behavioral biometric metadata with the first behavioral biometric metadata, and retraining the trained machine learning model using the updated historical behavioral biometric metadata. The authentication request includes first behavioral biometric metadata.
    Type: Grant
    Filed: October 19, 2023
    Date of Patent: April 14, 2026
    Assignee: MASTERCARD TECHNOLOGIES CANADA ULC
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Publication number: 20250342472
    Abstract: A system includes an originating client platform, a first intermediate client platform, and a bridge platform. A first electronic processor of the originating client platform is configured to generate an authorization request and transmit the authorization request. A second electronic processor of the first intermediate client platform is configured to receive the authorization request and determine whether the authorization request is malicious or not malicious. In response to determining that the authorization request is malicious, the second electronic processor is configured to store the authorization request in a data store, transmit an authorization request denial, and transmit an incident payload including details of the authorization request. A third electronic processor of the bridge platform is configured to receive the incident payload, generate a security profile based on the incident payload, and transmit the security profile to a second intermediate client platform.
    Type: Application
    Filed: April 30, 2025
    Publication date: November 6, 2025
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Publication number: 20250131076
    Abstract: A system includes memory hardware configured to store instructions and one or more electronic processors configured to execute the instructions. The instructions include logging historical behavioral biometric metadata from one or more computing platforms, generating a user profile based on the logged historical behavioral biometric metadata, receiving an authentication request from a client computing platform, providing the first behavioral biometric metadata and the user profile to a trained machine learning model to generate a biometric match, generating a positive control signal in response to a positive biometric match, sending the positive control signal to the client computing platform, updating the historical behavioral biometric metadata with the first behavioral biometric metadata, and retraining the trained machine learning model using the updated historical behavioral biometric metadata. The authentication request includes first behavioral biometric metadata.
    Type: Application
    Filed: October 19, 2023
    Publication date: April 24, 2025
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Publication number: 20250131433
    Abstract: A system includes memory hardware configured to store instructions and one or more electronic processors configured to execute the instructions. The instructions include receiving historical behavioral biometric metadata from a plurality of computing platforms to build a historical profile, training a machine learning model using the historical profile, receiving a transaction request from a first computing platform, the transactional request including first behavioral biometric metadata, providing the first behavioral biometric metadata and the historical behavioral biometric metadata to the trained machine learning model to generate a biometric match, generating a control signal based on the biometric match, and sending the control signal to a second computing platform.
    Type: Application
    Filed: October 19, 2023
    Publication date: April 24, 2025
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Publication number: 20250086630
    Abstract: A system is provided for electronically communicating multi-factor authentication (MFA) data. The system includes a remuneration vehicle device including a first communication interface, a first electronic processor, and a first memory, a third-party device including a second communication interface, a second electronic processor, and a second memory, and a server including a third communication interface, a third electronic processor, and a third memory. The third electronic processor is configured to receive, with the third communication interface, a first data packet indicating MFA preferences from the first communication interface, store the MFA preferences in the third memory, receive, with the third communication interface, a second data packet indicating an interaction request from the second communication interface, and provide, with the third communication interface, a third data packet indicating an interaction response to the second communication interface.
    Type: Application
    Filed: September 6, 2024
    Publication date: March 13, 2025
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik
  • Publication number: 20250086637
    Abstract: A system for communicating cardholder data. The system comprises a remuneration vehicle device, a third-party entity device, and a server. The remuneration vehicle device includes a first communication interface, a first electronic processor, and a first memory. The third-party entity device includes a second communication interface, a second electronic processor, and a second memory. The server includes a third communication interface, a third electronic processor, and a third memory. The third electronic processor is configured to receive, with the third communication interface, a first data packet indicating cardholder data from the first communication interface, store the cardholder data in the third memory, receive a second data packet indicating a transaction request from the second communication interface, and provide a third data packet indicating a transaction response to the second communication interface. The third data packet includes the cardholder data from the third memory.
    Type: Application
    Filed: September 6, 2024
    Publication date: March 13, 2025
    Inventors: Kyle Williams, Jonathan McGrandle, Matthew Melnik