Patents by Inventor Yuval Refua

Yuval Refua 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: 12689628
    Abstract: A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.
    Type: Grant
    Filed: January 18, 2024
    Date of Patent: July 21, 2026
    Assignee: Navan, Inc.
    Inventor: Yuval Refua
  • Publication number: 20260180991
    Abstract: A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.
    Type: Application
    Filed: February 16, 2026
    Publication date: June 25, 2026
    Inventor: Yuval Refua
  • Patent number: 12592927
    Abstract: A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.
    Type: Grant
    Filed: January 18, 2024
    Date of Patent: March 31, 2026
    Assignee: Navan, Inc.
    Inventor: Yuval Refua
  • Patent number: 12288203
    Abstract: The systems may include transmitting wallet provider script to a payment service provider server, presenting an electronic wallet payment tool on a merchant checkout page, receiving a first selection of the electronic wallet payment tool, retrieving an electronic wallet comprised in a transaction account associated with the consumer, transmitting transaction account information associated with a desired transaction account in the electronic wallet to the payment service provider server, receiving a virtual token from the payment service provider server, and/or transmitting the virtual token to payment service provider script integrated in a browser used by the consumer.
    Type: Grant
    Filed: April 14, 2016
    Date of Patent: April 29, 2025
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Andras L. Ferenczi, Vishnuvajhala V. Subrahmanyam, Yuval Refua, Sathish B. Muthukrishnan
  • Publication number: 20240241931
    Abstract: A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.
    Type: Application
    Filed: January 18, 2024
    Publication date: July 18, 2024
    Inventor: Yuval Refua
  • Publication number: 20240244056
    Abstract: A networked system generates virtual identifiers for network entities to identify interactions of these entities with other entities in the network. These virtual identifiers are generated upon detecting trigger events. Upon the detection of an event that triggers the generation of a virtual identifier, the networked system seeks a virtual identifier from an account management system. This virtual identifier serves as a unique identifier associated with the user but that represents an account that the user is authorized to use. The system associates the virtual identifier with aspects of the triggering event, such as the user linked with the trigger event or the event itself. Consequently, when the system detects an interaction bearing the virtual identifier, the system can associate the interaction with the user who initiated the interaction.
    Type: Application
    Filed: January 18, 2024
    Publication date: July 18, 2024
    Inventor: Yuval Refua
  • Publication number: 20240127070
    Abstract: An online system trains a constraint prediction machine-learning model using an action-based loss function. The action-based loss function computes a weighted sum of (1) an accuracy of the constraint prediction model in predicting whether a user's interaction complies with a set of constraints and (2) an action score representing a number of actions taken by users to determine whether the user's action complies with the set of constraints. The online system may apply this trained constraint prediction model to future interaction data received from third-party systems to predict whether user interactions with those third-party systems comply with the set of constraints.
    Type: Application
    Filed: October 16, 2023
    Publication date: April 18, 2024
    Inventors: Jun Gao, Ishay Shushu Inbar, Andrei Vodeniktov, Yuval Refua, Ilan Twig, Felix Milman, Christophe Levesque
  • Patent number: 10755267
    Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: August 25, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
  • Publication number: 20170357964
    Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.
    Type: Application
    Filed: June 8, 2016
    Publication date: December 14, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
  • Publication number: 20170300897
    Abstract: The systems may include transmitting wallet provider script to a payment service provider server, presenting an electronic wallet payment tool on a merchant checkout page, receiving a first selection of the electronic wallet payment tool, retrieving an electronic wallet comprised in a transaction account associated with the consumer, transmitting transaction account information associated with a desired transaction account in the electronic wallet to the payment service provider server, receiving a virtual token from the payment service provider server, and/or transmitting the virtual token to payment service provider script integrated in a browser used by the consumer.
    Type: Application
    Filed: April 14, 2016
    Publication date: October 19, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Andras L. Ferenczi, Vishnuvajhala V. Subrahmanyam, Yuval Refua, Sathish B. Muthukrishnan