Patents by Inventor Steven Charles Davis

Steven Charles Davis 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: 20180183600
    Abstract: A method for posting of auditable, immutable data to a blockchain includes: receiving a blockchain comprised of a plurality of blocks, each block being comprised of at least a block header and one or more transaction values, wherein each transaction value includes at least a transaction hash; receiving a data file associated with a specific transaction hash included in a block in the blockchain, wherein the data file includes one or more variables; modifying at least one of the one or more variables included in the data file; generating a new hash value via application of one or more hashing algorithms to the modified data file; generating a new transaction value based on at least the generated new hash value and the specific transaction hash; digitally signing the generated new transaction value; and electronically transmitting the signed new transaction value.
    Type: Application
    Filed: December 28, 2016
    Publication date: June 28, 2018
    Applicant: Mastercard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20180082294
    Abstract: A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.
    Type: Application
    Filed: November 28, 2017
    Publication date: March 22, 2018
    Applicant: Mastercard International Incorporated
    Inventors: Steven Charles DAVIS, Ashish Raghavendra TETALI
  • Publication number: 20180019921
    Abstract: A method for automatic configuration of a communication network includes: generating a request message, the request message including a communication address associated; transmitting the generated request message as a broadcast message to a plurality of computing devices using a predefined user datagram protocol (UDP) port, the message being broadcast with a predetermined time to live; receiving agreement messages from computing devices transmitted by the respective computing device using the predefined UDP port, each agreement message including a communication address associated with the respective computing device and a specified transmission control protocol (TCP) port; identifying at least one of the one or more agreement messages for establishment of communication; and establishing a communication connection to the computing device associated with each identified agreement message using the specific TCP port.
    Type: Application
    Filed: July 15, 2016
    Publication date: January 18, 2018
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20180019867
    Abstract: A method for generation of blocks for a partitioned blockchain includes: storing blocks comprising a partitioned blockchain, wherein each block includes a header and transaction entries; receiving transaction data entries for each of a plurality of subnets; generating a hash value of the header included in the most recently added block; generating a new block header, the new block header including the generated hash value, a timestamp, and a sequence of pairs including a pair for each of the plurality of subnets, each pair including a subnet identifier associated with the respective subnet and a merkle root of each of the transaction data entries received for the respective subnet; generating a new block, the new block including the generated new block header and the transaction data entries for each of the plurality of subnets; and transmitting the new block to a plurality of nodes associated with the partitioned blockchain.
    Type: Application
    Filed: July 15, 2016
    Publication date: January 18, 2018
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Patent number: 9870562
    Abstract: A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.
    Type: Grant
    Filed: May 21, 2015
    Date of Patent: January 16, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Steven Charles Davis, Ashish Raghavendra Tetali
  • Publication number: 20180013567
    Abstract: A method for verification of a data value via a Merkle root includes: storing, in a memory of a processing server, a Merkle root; receiving at least a data value, a nonce, and a plurality of hash path values; generating a combined value by combining the data value and the nonce; generating a first hash value via application of a hashing algorithm to the combined value; generating a subsequent hash value via application of the hashing algorithm to a combination of the first hash value and a first of the plurality of hash path values; repeating generation of the subsequent hash value using a combination of the next hash path value of the plurality of hash path values and the most recent subsequent hash value; and verifying the data value based on a comparison of the Merkle root and the last generated subsequent hash value.
    Type: Application
    Filed: July 8, 2016
    Publication date: January 11, 2018
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20170344987
    Abstract: A method for addition of a block to a permissioned blockchain using efficient consensus includes: storing a blockchain; receiving transaction messages having transaction values from consensus nodes; generating a Merkle root for the transactions messages using transaction references; generating a proposed block header having the Merkle root and a hash of the header of the most recently added block in the blockchain; hashing the proposed block header; transmitting a proposal message having a digital signature and the hashed proposed block header to auditing nodes; receiving a response message accepting the digital signature from a majority of auditing nodes; transmitting an accept message to the auditing nodes; transmitting a confirmation message to the consensus nodes including the hashed proposed block header and digital signature; and writing a new block to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.
    Type: Application
    Filed: May 24, 2016
    Publication date: November 30, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20170344435
    Abstract: A method for recovery of missing or extra data using a bloom filter includes: storing a plurality of transaction messages, each including a transaction value; generating a bloom filter of the transaction messages, the bloom filter being generated using a number of hash rounds and with a size at least double the number of transaction messages; generating a recover message including the number of transaction messages, the number of hash rounds, the size, and the generated bloom filter; transmitting the recover message to a consensus node; receiving a response message from the consensus node, the response message including at least one additional transaction message; and inserting the at least one additional transaction message into the plurality of transaction messages.
    Type: Application
    Filed: May 24, 2016
    Publication date: November 30, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20170346693
    Abstract: A method for propagating configuration data using a blockchain includes: storing a blockchain comprised of a plurality of blocks, each being comprised of a block header having a timestamp and one or more configuration transactions; receiving one or more configuration data items; generating a new configuration transaction for each configuration data item; hashing a most recent block identified based on the timestamp included in the respective block header to generate a previous block hash value; hashing a combination of the new configuration transactions and/or data associated therewith to generate a current block hash value; generating a new block header, the new block header including a current timestamp, the previous block hash value, the current block hash value, and a digital signature; generating a new block comprised of the new block header and each new configuration transaction; and updating the blockchain by appending the new block.
    Type: Application
    Filed: May 27, 2016
    Publication date: November 30, 2017
    Applicant: MasterCard International Incorporated
    Inventors: Simon R. DIX, Steven Charles DAVIS
  • Publication number: 20170322936
    Abstract: A method for generating a universal distributed data storage includes: receiving a plurality of data values; generating a key for each of the plurality of data values, wherein the respective key is generated via application of a hashing algorithm to the associated data value; storing, in a database, each of the plurality of data values and the associated generated key as a plurality of key-value pairs; receiving a plurality of additional key-value pairs, wherein each value of the plurality of additional key-value pairs is not included in the plurality of data values; and storing, in the database, each of the plurality of additional key-value pairs, wherein each key included in the plurality of additional key-value pairs is generated via application of the hashing algorithm to the associated value and is not included in the keys generated for each of the plurality of data values.
    Type: Application
    Filed: May 5, 2016
    Publication date: November 9, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20170323294
    Abstract: A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.
    Type: Application
    Filed: May 6, 2016
    Publication date: November 9, 2017
    Applicant: MasterCard International Incorporated
    Inventors: Joan Lee ROHLFING, Steven Charles DAVIS
  • Publication number: 20170236121
    Abstract: A method for conducting an offline data exchange associated with a blockchain includes: storing a structured data set associated with a blockchain network, the data set including a network identifier, unspent output hash, output index, output value, and key pair; receiving the network identifier and a transaction amount from a point of sale; validating the structured data set as including the network identifier and an output value greater than or equal to the transaction amount; transmitting the unspent output hash and output index to the point of sale; receiving a destination address from the point of sale; generating transaction data including the destination address and a payment amount based on the transaction amount; and transmitting the transaction data to the point of sale.
    Type: Application
    Filed: February 11, 2016
    Publication date: August 17, 2017
    Applicant: MasterCard International Incorporated
    Inventors: Garry LYONS, Steven Charles DAVIS
  • Publication number: 20170207917
    Abstract: A method for distributing multiple cryptographic keys used to access data includes: receiving a data signal superimposed with an access key request, wherein the access key request includes at least a number, n, greater than 1, of requested keys; generating n key pairs using a key pair generation algorithm, wherein each key pair includes a private key and a public key; deriving an access private key by applying the private key included in each of the n key pairs to a key derivation algorithm; generating an access public key corresponding to the derived access private key using the key pair generation algorithm; and electronically transmitting a data signal superimposed with a private key included in one of the n key pairs for each of the n key pairs.
    Type: Application
    Filed: January 20, 2016
    Publication date: July 20, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles Davis
  • Publication number: 20170148016
    Abstract: A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data, the transaction data including a transaction amount and currency code; generating a transaction message formatted based on one or more standards including a first data element configured to store the transaction amount, a second data element configured to store the currency code, and a third data element configured to store an invoice identifier; transmitting the transaction message to a financial institution via a payment network; receiving a return message from the financial institution via the payment network formatted based on the one or more standards and including a data element configured to store the transaction amount, currency code, and invoice identifier; and generating a hash value based on application of hashing algorithms to the transaction amount, currency code, and invoice identifier stored in the data element included in the received return message.
    Type: Application
    Filed: November 24, 2015
    Publication date: May 25, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20170134280
    Abstract: A method for validating receipt of hashed data includes: storing an acceptance frame and at least one hashing algorithm; receiving a data value; hashing the received data value using the at least one hashing algorithm to obtain a first hashed package; hashing the received data value and the acceptance frame using the at least one hashing algorithm to obtain a second hashed package; electronically transmitting the first hashed package to a computing device; receiving a received hashed package from the computing device; and validating the received hashed package as being created using the received data value and acceptance frame via comparison of the received hashed package to the second hashed package.
    Type: Application
    Filed: November 11, 2015
    Publication date: May 11, 2017
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Steven Charles DAVIS
  • Publication number: 20160342989
    Abstract: A method for authorizing a blockchain-based transaction includes: receiving a transaction request, the request including a network identifier associated with a blockchain network, a transaction amount, and one of: a public key and an address identifier; generating an address identifier using at least the public key included in the received transaction request and one or more hashing algorithms if the received transaction request does not include an address identifier; generating a transaction message, the message including a first data element configured to store a transaction amount and a second data element reserved for private use, and the first data element includes a zero value and the second data element includes at least (i) the network identifier or an encoded value based on the network identifier, (ii) the address identifier, and (iii) the transaction amount; and transmitting the transaction message to a financial institution using a payment network.
    Type: Application
    Filed: May 21, 2015
    Publication date: November 24, 2016
    Applicant: MasterCard International Incorporated
    Inventor: Steven Charles DAVIS
  • Publication number: 20160342994
    Abstract: A method for linking blockchain transactions to privately verified identities includes: storing account profiles, each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message, the message including a first data element configured to store a personal account number, a second data element configured to store a merchant identifier, and a third data element configured to store a blockchain network identifier; identifying a first account profile that includes the personal account number; identifying a second account profile that includes the merchant identifier; receiving a transaction notification, the notification indicating a transaction processed using a blockchain network associated with the blockchain network identifier and including a transaction identifier and an address identifier associated with the first or second account profile; and storing a linkage between the transaction identifier and the address identifier, the pers
    Type: Application
    Filed: May 21, 2015
    Publication date: November 24, 2016
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Steven Charles Davis
  • Publication number: 20160342976
    Abstract: A method for managing fractional reserves of blockchain currency includes: storing, in a first central account, a fiat amount associated with a fiat currency; storing, in a second central account, a blockchain amount associated with a blockchain currency; storing a plurality of account profiles, each profile including a fiat currency amount, blockchain currency amount, account identifier, and address; receiving a transaction message associated with a payment transaction, the message being formatted based on one or more standards and including a plurality of data elements, including a data element reserved for private use including a specific address and a transaction amount; identifying a specific account profile that includes the specific address included in the data element in the received transaction message; and updating the blockchain currency amount included in the identified specific account profile based on the transaction amount included in the data element in the received transaction message.
    Type: Application
    Filed: May 21, 2015
    Publication date: November 24, 2016
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Steven Charles Davis
  • Publication number: 20160342978
    Abstract: A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.
    Type: Application
    Filed: May 21, 2015
    Publication date: November 24, 2016
    Applicant: MasterCard International Incorporated
    Inventors: Steven Charles Davis, Ashish Raghavendra Tetali