Patents by Inventor Muhammad Saad

Muhammad Saad 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).

  • Patent number: 12647284
    Abstract: A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.
    Type: Grant
    Filed: July 21, 2021
    Date of Patent: June 2, 2026
    Assignee: Visa International Service Association
    Inventors: Mahdi Zamani, Ranjit Kumaresan, Mihai Christodorescu, Cuy Sheffield, Benjamin Price, Wanyun Gu, Minghua Xu, Srinivasan Raghuraman, Muhammad Saad, Mustafa Ozdayi, Mohammad Mohsen Minaei Bidgoli, Sourav Das
  • Patent number: 12530675
    Abstract: Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel. Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
    Type: Grant
    Filed: April 9, 2024
    Date of Patent: January 20, 2026
    Assignee: PAYPAL, INC.
    Inventors: Jakub Burgis, Raoul Johnson, Andrew Marshall, Muhammad Saad
  • Patent number: 12511655
    Abstract: Methods and systems are presented for cross-entity fraud mitigation. A refund request for a transaction between a first entity and a second entity is received via a network from a device of the first entity. A transaction history associated with an account of the first entity with a service provider is obtained. From the obtained transaction history, metadata relating to previous refund requests processed for previous transactions associated with the account of the first entity is extracted. The extracted metadata is evaluated to determine a risk score for the refund request received for the transaction, where the risk score indicating a risk of fraud associated with the refund request. A decision on authorization of the refund request is generated for the transaction, based on the risk score. A notification of the decision is transmitted via the network to a device of the second entity.
    Type: Grant
    Filed: September 22, 2022
    Date of Patent: December 30, 2025
    Assignee: PAYPAL, INC.
    Inventors: Adam Oest, Raoul Johnson, Muhammad Saad
  • Publication number: 20250384432
    Abstract: Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.
    Type: Application
    Filed: July 9, 2025
    Publication date: December 18, 2025
    Inventors: Muhammad Saad, Jakub Burgis, Raoul Johnson
  • Publication number: 20250348875
    Abstract: Methods and systems are presented for tracking activities that occur off of a first layer blockchain in in a second layer network built on the first layer blockchain. In one embodiment, a computer system determines that a transfer of cryptocurrency from a first node to a second node has transpired in the second layer network based on querying channel capacities in the second layer network. The computer system determines a first public address for the first node based on information associated with a first channel that connects the computer system and the first node in the second layer network, and determines a second public address for the second node based on information associated with a second channel that connects the computer system and the second node in the second layer network. The first public address and the second public address are used to monitor activity in the first layer blockchain.
    Type: Application
    Filed: April 29, 2025
    Publication date: November 13, 2025
    Inventors: Muhammad Saad, Jakub Burgis, Raoul Johnson
  • Patent number: 12373823
    Abstract: Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.
    Type: Grant
    Filed: June 3, 2022
    Date of Patent: July 29, 2025
    Assignee: PAYPAL, INC.
    Inventors: Muhammad Saad, Jakub Burgis, Raoul Johnson
  • Publication number: 20250200567
    Abstract: A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.
    Type: Application
    Filed: December 2, 2024
    Publication date: June 19, 2025
    Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
  • Publication number: 20250173738
    Abstract: There are provided systems and methods for an automated domain crawler and checkout simulator for proactive and real-time scam website detection. A service provider, such as an online transaction processor, may provide a domain crawler and checkout simulator that may be used to detect scam websites when registered and/or configured to utilize intermediary webpages of other domains to perpetrate fraud or scams on customers. The domain parser may detect new domain registrations and may parse through their corresponding websites to identify those that include checkout options or other processing flows that proceed through steps and use a service or feature of a service provider, including account usage for electronic transaction processing. The checkout simulator may then simulate a user's experience through the checkout to determine if domain redirections occur. If so, those redirections may be checked to identify usage of a merchant account having been flagged for scams.
    Type: Application
    Filed: November 28, 2023
    Publication date: May 29, 2025
    Inventors: Marzieh Bitaab, Adam Oest, Muhammad Saad
  • Patent number: 12182807
    Abstract: A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.
    Type: Grant
    Filed: March 14, 2022
    Date of Patent: December 31, 2024
    Assignee: PayPal, Inc.
    Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
  • Publication number: 20240354743
    Abstract: Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel. Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
    Type: Application
    Filed: April 9, 2024
    Publication date: October 24, 2024
    Inventors: Jakub Burgis, Raoul Johnson, Andrew Marshall, Muhammad Saad
  • Patent number: 12052622
    Abstract: Disclosed are embodiments for reducing likelihood of selecting a cell identified by a Radio Access Network (RAN) Notification Area ID (RNA ID) that is different from that identifying a last or current serving cell so as to avoid an RNA update procedure; reducing Random Access Channel (RACH) transmissions for an RNA update procedure and a mobile originated (MO) data transmission in response to a Radio Resource Control (RRC) triggered RNA update procedure; and selecting a band or beam in a multi-band/beam cellular system that improves RACH efficiency.
    Type: Grant
    Filed: September 24, 2022
    Date of Patent: July 30, 2024
    Assignee: APPLE INC.
    Inventors: Vijay Venkataraman, Muthukumaran Dhanapal, Li Su, Sharad Garg, Syed A. Rahim, Sandeep K. Sunkesala, Jia Tang, Vijay Gadde, Tarakkumar G. Dhanani, Muhammad Saad
  • Patent number: 11978038
    Abstract: Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
    Type: Grant
    Filed: May 6, 2022
    Date of Patent: May 7, 2024
    Assignee: PAYPAL, INC.
    Inventors: Jakub Burgis, Raoul Johnson, Andrew Marshall, Muhammad Saad
  • Publication number: 20240104568
    Abstract: Methods and systems are presented for cross-entity fraud mitigation. A refund request for a transaction between a first entity and a second entity is received via a network from a device of the first entity. A transaction history associated with an account of the first entity with a service provider is obtained. From the obtained transaction history, metadata relating to previous refund requests processed for previous transactions associated with the account of the first entity is extracted. The extracted metadata is evaluated to determine a risk score for the refund request received for the transaction, where the risk score indicating a risk of fraud associated with the refund request. A decision on authorization of the refund request is generated for the transaction, based on the risk score. A notification of the decision is transmitted via the network to a device of the second entity.
    Type: Application
    Filed: September 22, 2022
    Publication date: March 28, 2024
    Inventors: Adam Oest, Raoul Johnson, Muhammad Saad
  • Patent number: 11917464
    Abstract: Apparatuses, systems, and methods for RACH procedures to avoid excessive handover/secondary cell group failures. A base station may declare a handover and/or secondary cell group (SCG) failure and may determine that a failure threshold has been met. The base station may perform a remedial action in response to meeting the failure threshold. The failure threshold may be multi-dimensional, where a first dimension is associated with a number of handover/SCG failures and where a second dimension is associated with a time period in which the number of handover/SCG failures occurred. Further, a third dimension may be associated with a UE mobility state and a fourth dimension may be associated with whether the UE is using FR1 or FR2. The remedial action in response to meeting the failure threshold may include the base station suspending transmission of measurement object configurations for a specified period of time.
    Type: Grant
    Filed: May 26, 2021
    Date of Patent: February 27, 2024
    Assignee: Apple Inc.
    Inventors: Muhammad Saad, Syed A Rahim, Sharad Garg, Vijay Venkataraman, Jia Tang, Wenping Lou, Thanigaivelu Elangovan, Pengkai Zhao, Tarakkumar G Dhanani
  • Publication number: 20230394471
    Abstract: Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.
    Type: Application
    Filed: June 3, 2022
    Publication date: December 7, 2023
    Inventors: Muhammad Saad, Jakub Burgis, Raoul Johnson
  • Publication number: 20230360024
    Abstract: Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
    Type: Application
    Filed: May 6, 2022
    Publication date: November 9, 2023
    Inventors: Jakub Burgis, Raoul Johnson, Andrew Marshall, Muhammad Saad
  • Publication number: 20230344649
    Abstract: A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.
    Type: Application
    Filed: July 21, 2021
    Publication date: October 26, 2023
    Applicant: Visa International Service Association
    Inventors: Mahdi Zamani, Ranjit Kumaresan, Mihai Christodorescu, Cuy Sheffield, Benjamin Price, Wanyun Gu, Minghua Xu, Srinivasan Raghuraman, Muhammad Saad, Mustafa Ozdayi, Mohammad Mohsen Minaei Bidgoli, Sourav Das
  • Publication number: 20230298005
    Abstract: Methods and systems described herein may implement blockchain cryptocurrency transactions in a variety of environments. An online transaction processor may provide operations for cryptocurrency conversions. The transaction processor may detect that a user is involved in a cryptocurrency transaction with another entity, which is requested to be processed using an amount of cryptocurrency and using an off-chain amount of the cryptocurrency. The transaction processor may determine that the entity does not have a digital wallet, node, or the like on a layer two network to receive and/or process the off-chain balance for the cryptocurrency. The transaction processor may then, after a risk assessment, determine that the user may access the amount of the cryptocurrency from an on-chain balance available to a digital wallet of the cryptocurrency. The transaction processor may make that on-chain amount available and may request repayment via the user's off-chain balance.
    Type: Application
    Filed: March 17, 2022
    Publication date: September 21, 2023
    Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
  • Publication number: 20230289790
    Abstract: A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.
    Type: Application
    Filed: March 14, 2022
    Publication date: September 14, 2023
    Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
  • Publication number: 20230206231
    Abstract: Methods and systems are presented for tracking activities that occur off of a first layer blockchain in in a second layer network built on the first layer blockchain. In one embodiment, a computer system determines that a transfer of cryptocurrency from a first node to a second node has transpired in the second layer network based on querying channel capacities in the second layer network. The computer system determines a first public address for the first node based on information associated with a first channel that connects the computer system and the first node in the second layer network, and determines a second public address for the second node based on information associated with a second channel that connects the computer system and the second node in the second layer network. The first public address and the second public address are used to monitor activity in the first layer blockchain.
    Type: Application
    Filed: December 27, 2021
    Publication date: June 29, 2023
    Inventors: Muhammad Saad, Jakub Burgis, Raoul Johnson