Credit Or Identification Card Systems Patents (Class 235/380)
  • Patent number: 10997596
    Abstract: Disclosed are exemplary embodiments of systems and methods for analyzing declined payment account transactions. In an exemplary embodiment, a method generally includes accessing, by a computing device, a declined transaction associated with a payment account, and applying, by the computing device, at least one rule to transaction data associated with the payment account and/or transaction data associated with a merchant involved in the declined transaction. The method also includes, based on the at least one applied rule, appending, by the computing device, a fraud accuracy tag to the declined transaction in a data structure, where the fraud accuracy tag is indicative of whether the decline of the transaction is a true positive decline or a false positive decline, whereby the fraud accuracy tag is suitable to provide insight into accuracy of a fraud strategy implemented in connection with the declined transaction.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: May 4, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Kerry Michael Thomas, Monica Marie Mifflin
  • Patent number: 10997576
    Abstract: A method for emulating a point of sale (POS) at a mobile device includes identifying a POS based on information associated with the POS received from a mobile device. The method includes generating emulation data descriptive of information captured at the POS, and initiating transmission of the emulation data to the mobile device. The emulation data causes the mobile device to emulate the POS at a display device of the mobile device. The information captured at the POS is associated with a consumer transaction. The method includes dynamically generating updated emulation data as the information captured at the POS changes during the consumer transaction, and initiating transmission of the updated emulation data to the mobile device. The updated emulation data causes the emulation of the POS at the display device of the mobile device to be dynamically updated during the consumer transaction.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: May 4, 2021
    Assignee: Excentus Corporation
    Inventor: Dickson Perry
  • Patent number: 10990905
    Abstract: When a consumer carrying a device is automatically detected within a pre-defined and constrained space, ticket identifying information is automatically obtained from the device and relayed to a backend ticket redemption server. The ticket redemption server validates a ticket for the consumer from the ticket-identifying information and relays a confirmation to a ticket redemption agent's device and the consumer is checked-in for ingress onto a transportation system or into a venue destination of the consumer.
    Type: Grant
    Filed: November 30, 2015
    Date of Patent: April 27, 2021
    Assignee: NCR Corporation
    Inventors: Robert Thomas Borucki, David Todd Slaughter
  • Patent number: 10992584
    Abstract: A method and device for processing a packet are provided in this disclosure. According to an example of the method, an HTTPS packet is received from a user host, and a non-online user session entry matching the HTTPs packet is searched for according to a source IP address and a destination IP address of the HTTPS packet. In case that the non-online user session entry is found, a token is obtained from a first token bucket if determining that a user session corresponding to the non-online user session entry has no token, where the number of tokens in the first token bucket is set based on processing capability of a CPU of the access gateway device. When the token is successfully obtained, the HTTPS packet is sent to the CPU for processing. When the token has failed to be obtained, the HTTPS packet is abandoned.
    Type: Grant
    Filed: December 26, 2017
    Date of Patent: April 27, 2021
    Assignee: New H3C Technologies Co., Ltd.
    Inventors: Ying Zhou, Wen Wu, Yuelei Chao
  • Patent number: 10990935
    Abstract: A method for transferring funds to a second electronic computing device includes establishing a first pre-paid payment account on a first electronic computing device. The first pre-paid payment account is used to establish one or more second pre-paid payment accounts. The one or more second pre-paid payment accounts have a value that is less than or equal to the first pre-paid payment account. A first account identifier is obtained for one of the second pre-paid payment accounts. The first account identifier is sent to the second electronic computing device. The sending of the first account identifier to the second electronic computing device results in a transfer of ownership of the one more second pre-paid accounts from a first user at the first electronic computing device to a second user at the second electronic computing device.
    Type: Grant
    Filed: April 28, 2016
    Date of Patent: April 27, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Thomas B. Hayes
  • Patent number: 10990933
    Abstract: A financial transaction system between a customer and a financial institution that facilitates use of a mobile wireless device at an ATM in lieu of an ATM card provides for a central system, a portable wireless device of the customer, an automated teller machine (ATM), an ATM identification on an ATM identification tag. The portable wireless device has an interface that is able to read the ATM identification. The central system, the portable wireless device, and the ATM communicate on a global computer network and the portable wireless device is used to conduct a financial transaction with the ATM in lieu of a bankcard of the financial institution.
    Type: Grant
    Filed: May 7, 2018
    Date of Patent: April 27, 2021
    Inventor: Tara Chand Singhal
  • Patent number: 10992738
    Abstract: Provided herein are systems and processes for transmitting interactive content to an application and causing the interactive content to be rendered on a display of the application. In at least one embodiment, the system is configured to analyze mapping metadata based on deployment criteria and cause a content element to be rendered on a display when the mapping metadata satisfies the deployment criteria. A content element may be a permitted content element from a plurality of permissible content elements. The deployment criteria includes temporal criteria, mapping criteria, and/or other criteria described herein.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: April 27, 2021
    Assignee: CARDLYTICS, INC.
    Inventor: Kwajalyn Chamar Burney
  • Patent number: 10990776
    Abstract: Methods and devices for biometric verification are disclosed. During registration or encoding, a first vector representing biometric features of a subject is generated. Machine-readable optical labels based on the first vector are then generated. During validation or decoding, physical characteristics representative of the subject are captured, the physical characteristic containing biometric features of the subject. The biometric features are identified in the captured physical characteristics. A second vector representing the identified biometric features is generated. The machine-readable optical label is read to decode the first vector. The first vector is compared with the second vector to compute a match probability.
    Type: Grant
    Filed: December 4, 2017
    Date of Patent: April 27, 2021
    Assignee: VERIDAS DIGITAL AUTHENTICATION SOLUTIONS, S.L.
    Inventors: Eduardo Azanza Ladrón, Miguel Ángel Sánchez Yoldi, Francisco Julián Zamora Martínez, Jose Luis González De Suso Molinero
  • Patent number: 10986074
    Abstract: A method of generating wireless communications from a transmit-only device, the method comprising: generating, at the transmit-only device, a first current session key; generating, at the transmit-only device, operational data; generating, at the transmit-only device, crypto-data by performing a cryptographic operation on the operational data using the first current session key; transmitting, from the transmit-only device, a first identifier to enable a resource derive the first current session key; transmitting, from the transmit-only device, the crypto-data.
    Type: Grant
    Filed: February 16, 2017
    Date of Patent: April 20, 2021
    Assignee: ARM IP Limited
    Inventors: Amyas Edward Wykes Phillips, Milosch Meriac
  • Patent number: 10984403
    Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: April 20, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Jeffrey William Perlman
  • Patent number: 10983565
    Abstract: A modular portable storage system includes a portable storage device with a housing having a cuboid geometry. The housing retains a processor, a storage module in electronic communication with the processor, and a wireless communication module. A circuit may communicate electronically with the portable storage device. The portable storage device may be removably coupled to the circuit board. A power supply may be in electronic communication with the circuit board. The power supply may also be removably coupled to the circuit board. The portable storage device and the power supply may be removably retained within the external housing. The circuit board may be mechanically coupled to the external housing. A case for a mobile device may define a cavity to retain the portable storage device.
    Type: Grant
    Filed: August 28, 2019
    Date of Patent: April 20, 2021
    Assignee: Fasetto, Inc.
    Inventors: Coy Christmas, Luke Malpass
  • Patent number: 10984408
    Abstract: A checking device and method performed by a microcircuit for dependency rules for objects updated in the microcircuit. The device and method include steps for receiving (B3) a command for updating a first object (105) stored in the microcircuit, the command giving an updated value for the first object; and verifying (B4, B4?) an updating rule (106) for the first object while taking account of the updated value for the first object. The device and method can be used in microcircuits that carry out transactions.
    Type: Grant
    Filed: January 22, 2019
    Date of Patent: April 20, 2021
    Assignee: IDEMIA FRANCE
    Inventors: Marco De Oliveira, Aghiles Adjaz, Francis Chamberot
  • Patent number: 10977637
    Abstract: A payment terminal, including: a display, an input device configured to generate input signals indicative of a user input, a payment instrument reader configured to receive payment instrument data from a financial payment instrument, a secure processor connected to the payment instrument reader, a main processor connected to the display, the main processor separate and distinct from the secure processor, a secure input processor connected to the input device and the secure processor, wherein the secure processor is operable between an unsecured mode, wherein the secure processor sends input coordinates based on the input signals received from the secure input processor to the main processor; and a secured mode, wherein the secure input processor ceases input coordinate forwarding to the main processor.
    Type: Grant
    Filed: December 2, 2019
    Date of Patent: April 13, 2021
    Assignee: Poynt Co.
    Inventors: Osama Bedier, Ray Tanaka, Robert Hernandez
  • Patent number: 10977652
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Grant
    Filed: February 2, 2016
    Date of Patent: April 13, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich
  • Patent number: 10977642
    Abstract: Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: April 13, 2021
    Assignee: Apple Inc.
    Inventors: Ahmer A. Khan, Gregory B. Novick, Jerrold V. Hauck, Saket R. Vora, Yehonatan Perez
  • Patent number: 10977538
    Abstract: Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.
    Type: Grant
    Filed: May 14, 2020
    Date of Patent: April 13, 2021
    Assignee: Capital One Services. LLC
    Inventor: Michael Bailey
  • Patent number: 10977650
    Abstract: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transfer.
    Type: Grant
    Filed: July 29, 2014
    Date of Patent: April 13, 2021
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Dongming Xia
  • Patent number: 10969853
    Abstract: A USB adapting circuit is suitable for being connected between a USB host and an external device. The USB adapting circuit includes a connecting port, a detecting circuit, a standby circuit and a main circuit. The standby circuit receives a power supply from the USB host and supplies the detecting circuit and the main circuit with the power supply. The detecting circuit is configured to output a connected signal when the external device is connected to the connecting port. The standby circuit outputs an enabling signal in response to the connected signal. The main circuit adapts between the USB host and the external device when receiving the enabling signal. Therefore, the main circuit does not work without receiving the enabling signal, and has a power saving effect.
    Type: Grant
    Filed: September 18, 2019
    Date of Patent: April 6, 2021
    Assignee: REALTEK SEMICONDUCTOR CORP.
    Inventors: Cheng-Pin Chang, Tsung-Peng Chuang, Chun-Hao Peng
  • Patent number: 10970736
    Abstract: The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: April 6, 2021
    Assignee: Capital One Services, LLC
    Inventors: Moshe Benjamin, Lawrence Douglas
  • Patent number: 10966495
    Abstract: A charity box device is provided which counts the acts of charity and the dollar amounts inserted by the users of the device by inserting coins into the coin counter. The device then relays the total counts of acts of charity and dollar amounts to a remote database, which may be on a website that is accessible for the user from any computer or internet device. The total amounts may also be obtained and displayed by the device.
    Type: Grant
    Filed: September 23, 2018
    Date of Patent: April 6, 2021
    Inventor: Stewart Holzkenner
  • Patent number: 10970713
    Abstract: A system for effecting electronic payments via multiple payment schemes from a single payment integrated circuit (IC) card includes a payment IC card conforming to a payment card standard, the payment IC card being issued with a plurality of primary account numbers (PANs) from the payment card standard; a wallet server storing account details of one or more payment schemes with which a user has an account; and a vendor payment system configured to accept transactions using the payment card standard. The payment IC card is operable to transact with the vendor payment system using the payment card standard. The vendor payment system is operable to provide to the wallet server one of the PANs issued to the payment IC card to effect a financial transaction via one of the payment schemes with which the user has an account.
    Type: Grant
    Filed: February 25, 2015
    Date of Patent: April 6, 2021
    Assignee: SCRAMCARD HOLDINGS (HONG KONG) LIMITED
    Inventors: David Ball, Simon Hewitt
  • Patent number: 10972911
    Abstract: The present disclosure includes an electronic device for selecting a credential based at least in part on location information. The electronic device can include a secure transaction subsystem and a processor. The secure transaction subsystem can be configured to store a plurality of credentials. The processor can be communicatively coupled to the secure transaction subsystem and configured to receive the location information from one or more radios. Further, the processor can be configured to determine that a distance between the electronic device and a terminal is less than a predetermined distance based on the location information. In response to determining the distance between the electronic device and the terminal is less than the predetermined distance, the processor can be configured to select the credential from the plurality of credentials based at least in part on the type of terminal.
    Type: Grant
    Filed: September 28, 2017
    Date of Patent: April 6, 2021
    Assignee: Apple Inc.
    Inventors: Matthias Lerch, Florian Galdo
  • Patent number: 10963864
    Abstract: The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the user inputs their pin code. The inputted pin code is encrypted and matched with the encrypted user correct pin code. If there is a match the one-time pin code is stored in memory and the transaction can proceed.
    Type: Grant
    Filed: February 7, 2012
    Date of Patent: March 30, 2021
    Assignee: SCRAMCARD HOLDINGS (HONG KONG) LIMITED
    Inventors: David Ball, Simon Hewitt
  • Patent number: 10963773
    Abstract: A user instrument for engaging in a transaction includes a graphically encoded icon having a static portion, and an intrinsic portion comprising an area of stimuli-responsive material defining a first machine-readable indicia. At least a portion of the stimuli-responsive material transforms from a first state to a second state in response to a trigger. The transformation from the first state to the second state of the portion of the stimuli-response material results in a second machine-readable indicia. The transformation of the stimuli-responsive material from the first state to the second state is semi-irreversible. The second machine-readable indicia comprises information to permit or deny the user to engage in a second transaction via the user instrument.
    Type: Grant
    Filed: October 29, 2019
    Date of Patent: March 30, 2021
    Assignee: Newtonoid Technologies, L.L.C.
    Inventors: Fielding B. Staton, David Strumpf
  • Patent number: 10963866
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: September 6, 2018
    Date of Patent: March 30, 2021
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Patent number: 10963853
    Abstract: A system is disclosed that monitors payment transactions of users across participating merchant sites, and that uses this information to determine payment service preferences of particular users. When a user initiates a checkout transaction on a merchant site, the system uses this preference information to attempt to identify a payment service that is both supported by the merchant site and preferred by the user. One of the methods includes receiving a request from a content server associated with a merchant site for a preferred option associated with a user, the request including information indicative of the user. Information describing options associated with the user are accessed, and the accessed information and information identifying options accepted by the merchant site are used to determine a preferred option. Information identifying the preferred option is provided to the content server.
    Type: Grant
    Filed: March 25, 2016
    Date of Patent: March 30, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Rohit Kumra, Prashanth Shetty
  • Patent number: 10958640
    Abstract: Methods and systems for faster and more efficient smart card logon in a remote computing environment are described herein. Fast smart card logon may be used to reduce latency and improve security. For example, the system may reduce the number of operations (e.g., interactions) between a server device used for authentication and the client device. A remoting channel may be established between the server device and the client device. The server may receive, from the client device and/or via a personal computer/smart card (PC/SC) protocol, a message comprising an identifier for a smart card. The server device may replace the identifier for the smart card with a substitute identifier. Based on the substitute identifier, the server may determine one or more cryptographic service providers to use for one or more cryptographic operations associated with the smart card.
    Type: Grant
    Filed: August 24, 2018
    Date of Patent: March 23, 2021
    Assignee: Citrix Systems, Inc.
    Inventors: Hubert Divoux, David Williams
  • Patent number: 10957157
    Abstract: In some embodiments, a method includes: requesting, from a player at the gaming machine, player account credentials associated with the player; receiving, at the gaming machine, the player account credentials, wherein the player account credentials are associated with a player's account on the account server and enable linking game play on the gaming machine to the player's account, and wherein the player account credentials are provided to the player's mobile phone in response to joining a players club prior to detection of the initiation event; transmitting, via the gaming machine, the player account credentials to the account server; receiving, from the account server, validation of the player account credentials based on comparing the received player account credentials with credentials stored on the account server; upon receipt of the validation, linking a wagering game session on the gaming machine with the player account.
    Type: Grant
    Filed: December 11, 2019
    Date of Patent: March 23, 2021
    Assignee: SG Gaming, Inc.
    Inventors: Mark B. Gagner, Damon E. Gura, Timothy C. Loose, James M. Rasmussen, Victor T. Shi, Alfred Thomas
  • Patent number: 10956897
    Abstract: A positive balance on a first financial account associated with a prepaid card are transferrable to a second financial account associated with a third party. In some embodiments, an instruction to transfer a portion of the first financial account to the second financial account is received. The instruction is associated with one or more triggering events. The one or more triggering events are associated with an inactive amount of time associated with the prepaid card, an expiration date associated with the prepaid card, and/or a balance of the first financial account associated with the prepaid card. A first triggering event of the one or more triggering events is detected. Upon detection of the first triggering event, the portion of the first financial account is transferred to the second financial account. Aspects of the disclosure enable a processing system to identify one or more opportunities to liquidate and/or fund financial accounts in an organized, resource-efficient, and timely manner.
    Type: Grant
    Filed: July 14, 2015
    Date of Patent: March 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Aarti Sharma
  • Patent number: 10956898
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: March 23, 2021
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey, Christopher S. Postell
  • Patent number: 10956916
    Abstract: The system and methodology of the present invention employs novel machine learning techniques in order to periodically update and supplement a set of identity verification databases used in connection with KYC determinations. The system and methodology of the present invention periodically receives updated identity data from third-party sources and may also use customer logic input provided to update the model used in making KYC determinations. The system of the present invention further updates and optimizes the identity verification databases and selectively deploys them in a production environment without requiring any human intervention, such that identity verification is incrementally improved over time as more identity data is provided to the system.
    Type: Grant
    Filed: September 21, 2020
    Date of Patent: March 23, 2021
    Assignee: Socure, Inc.
    Inventors: Pablo Ysrrael Abreu, Ali Haddad, Elliot John Hughes, Vijin K. P. Parambath
  • Patent number: 10951610
    Abstract: A computer-implemented user authentication method to provide users of computer devices interconnecting with computer information systems with a frequently changing numeric passcode generated via a time-synchronized mathematical operation of the mathematical constant Pi (?) without the need for a Two Factor Authentication process. The method operates the mathematical constant Pi, wherein an application software performs the mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the user's passcode, referred in this invention as the PI ID Value (PIV). The method is dynamic, creating a new PIV for the computer user each time the user operates his/her computer device to gain access into a network or website. To attain the same Pi segment in real-time and authenticate the user, the network or website administrator utilizes in its computer server the same parameters and mathematical operation used by the user's computing device.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: March 16, 2021
    Inventor: Joseph Carlo Pastrana
  • Patent number: 10949820
    Abstract: A system and method are disclosed for providing integrated circuit (IC) chip modules for inclusion in payment objects. IC chip modules may be received from a supplier of IC chip modules, wherein the IC chip modules are supportably interconnected to a flexible substrate and transport key data is encoded in the IC chip modules. Each IC chip module may be encoded with personalization data and issuer key data. Encoding of IC chip modules may be completed utilizing either a contact IC chip interface device or a non-contact IC chip interface device. Encoding the IC chip modules may be completed with the IC chip modules supportably interconnected to the flexible substrate as supplied by the supplier of the IC chip modules, free from fixed interconnection of the IC chip modules and carrier to another support structure.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: March 16, 2021
    Assignee: CPI CARD GROUP—COLORADO, INC.
    Inventor: Barry Mosteller
  • Patent number: 10949855
    Abstract: A computer-implemented method for authenticating credit cards via a mathematical operation of the mathematical constant Pi. Pi is stored in a user-operated computing device connected to a network, wherein an application software performs the said mathematical operation of Pi to select a segment of Pi. The selected Pi segment becomes the Dynamic Card Verification Value (DCVV) of a credit card. The method is dynamic, creating a new DCVV for the user's credit card each time the user operates his/her computer device to purchase products and services online with his/her credit card. To attain the same Pi segment, the issuer of the credit card utilizes in its computer server the same parameters and mathematical operation that the user utilizes on his/her computing device. Consequently, this process provides the user and issuer with a synchronized process to attain the same resulting DCVV to authenticate a credit card.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: March 16, 2021
    Inventor: Joseph Carlo Pastrana
  • Patent number: 10939818
    Abstract: Disclosed are a method and the device for updating a ventilation device that has a memory for an operating program. The memory is at least partially designed as a variable memory and is connected with an input device for a current operating program. The memory and the input device are connected to control devices, which have testing means for evaluating at least one code. At least one function of the apparatus is released only when the code agrees with a reference value.
    Type: Grant
    Filed: September 8, 2014
    Date of Patent: March 9, 2021
    Assignee: LOEWENSTEIN MEDICAL TECHNOLOGY S.A.
    Inventors: Bernd Schoeller, Thomas Marx
  • Patent number: 10943251
    Abstract: A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.
    Type: Grant
    Filed: April 6, 2016
    Date of Patent: March 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Patent number: 10943234
    Abstract: A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: March 9, 2021
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkadar M'Hamed Benkreira
  • Patent number: 10944741
    Abstract: A method for reading an identity document, a readout terminal and a readout system, which simplifies the multiple reading of identity documents. According to the method, an authentication key and an information item are stored in hidden fashion in the chip of the identity document.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: March 9, 2021
    Assignee: GIESECKE+DEVRIENT MOBILE SECURITY GMBH
    Inventors: Frank Schmalz, Jan Eichholz, Christopher Schmid
  • Patent number: 10937267
    Abstract: Systems and methods are provided for use in provisioning digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of a user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, in response to the first biometric reference being stored at the card device. The method also includes capturing, at the card device, a second biometric of the user and comparing the second biometric to a second biometric reference stored at the card device. The method further includes compiling a response to the authentication request including a first indicator of the comparison of the first biometric to the first biometric reference and a second indicator of the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.
    Type: Grant
    Filed: April 6, 2020
    Date of Patent: March 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ashfaq Kamal, Sumeet Bhatt, Robert D. Reany
  • Patent number: 10929897
    Abstract: One embodiment of the present invention sets forth a technique for prompting a user for feedback based on user experience. The technique includes detecting, via a processor, that a first application event has occurred and updating a score based on a first value assigned to the first application event. The technique further includes determining that the score exceeds a first threshold, and, in response, outputting a first prompt for display.
    Type: Grant
    Filed: February 27, 2017
    Date of Patent: February 23, 2021
    Assignee: Disney Enterprises, Inc.
    Inventors: Michael McNabb, Kathleen Reilly
  • Patent number: 10930801
    Abstract: A transaction card is provided for communicating data relating to a transaction. The transaction card includes a solar layer, a transaction card layer, and a power transfer layer. The solar layer includes at least one solar panel capable of converting light into electricity, the transaction card layer supports the solar layer and includes a magnetic strip, and the power transfer layer includes circuitry capable of receiving electricity from the solar layer.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: February 23, 2021
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Daniel Herrington
  • Patent number: 10929860
    Abstract: View location metric generation and engagement attribution within an AR or VR environment are described. In one example, a system of a digital medium environment is configured to generate metric data describing viewed locations within an augmented or virtual reality environment. The system includes a log data collection module implemented at least partially in hardware of a computing device to collect log data from a plurality of user devices. The log data describes locations associated with an augmented or virtual reality environment and a viewing direction at corresponding locations. The system also includes a metric generation module implemented at least partially in hardware of the computing device to generate metric data describing viewed locations within the augmented or virtual reality environment by the plurality of user devices and an output module implemented at least partially in hardware of the computing device to output the generated metric data.
    Type: Grant
    Filed: March 28, 2017
    Date of Patent: February 23, 2021
    Assignee: Adobe Inc.
    Inventors: Joshua Aaron Hansen, William Brandon George, Kevin Gary Smith
  • Patent number: 10929833
    Abstract: Provided is a wearable device, including a base configured to be worn by a user, at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, and at least one antenna including an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source. Other expressions are also disclosed.
    Type: Grant
    Filed: March 27, 2018
    Date of Patent: February 23, 2021
    Assignee: Visa International Service Association
    Inventors: Yobel Muchang, Christopher Dean, Quan Wang, Mayank Somaiya, Jerry Wald
  • Patent number: 10923925
    Abstract: Systems and methods for hybrid energy harvesting for transaction cards are disclosed. Embodiments include a transaction card comprising a data storage device configured to supply account information to a transaction card terminal, a primary rechargeable power source to allow recharging and further to receive charging energy from the transaction card terminal during a transaction using the card, a secondary rechargeable power source configured to receive energy from the first rechargeable power source, and a power controller configured to control a flow of energy between the first and second rechargeable power sources.
    Type: Grant
    Filed: February 6, 2020
    Date of Patent: February 16, 2021
    Assignee: Capital One Services, LLC
    Inventors: David Wurmfeld, Tyler Locke
  • Patent number: 10924501
    Abstract: Methods, computer-readable media, software, and apparatuses may monitor consumer information in order to determine a probability of a data breach associated with a customer based on an online presence of the customer. The probability of a data breach may be used to present metrics to a consumer and/or a service provider. Further, the consumer may be presented with information indicating what factors contribute to the probability of a data breach, as well as information regarding how to reduce those factors.
    Type: Grant
    Filed: July 30, 2019
    Date of Patent: February 16, 2021
    Assignee: Allstate Insurance Company
    Inventors: Jason D. Park, Howard Hayes, Tao Chen, John S. Parkinson
  • Patent number: 10921264
    Abstract: Utilizing microwave reflections to compare a reference device with counterfeit and/or aging devices under test. The reflection from the device under test varies based on certain properties, which results in each device having a unique and intrinsic electromagnetic signature. Comparisons of the electromagnetic signature of the device under test to the electromagnetic signature of a reference device enable evaluating the acceptability of the device under test.
    Type: Grant
    Filed: August 18, 2017
    Date of Patent: February 16, 2021
    Assignee: THE CURATORS OF THE UNIVERSITY OF MISSOURI
    Inventors: Mohammad Tayeb Ghasr, Reza Zoughi, Satyajeet Shinde, Sasi Jothibasu
  • Patent number: 10922597
    Abstract: A flexible card may include a dynamic magnetic stripe communications device having multiple layers, such as an electromagnetic generator, a magnet, and a shield. A shield may form a non-flexible layer within the stack and may bend, but the shield may not be able to stretch or compress. Flexible layers may surround and adhere to the shield such that when the card is flexed, the flexible layers may stretch and compress with the movement of the shield. The dynamic magnetic stripe communications device may include one or more coils. Each coil may contain a material that may be beveled, such that a width at an end portion of the material may be smaller than a width at a middle portion of the material.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: February 16, 2021
    Assignee: DYNAMICS INC.
    Inventor: James H. Workley
  • Patent number: 10915805
    Abstract: Disclosed is a method for recording a reference biometric data item in a biometric smart card including a biometric sensor. The recording of a biometric data item acquired by the biometric sensor, as a reference biometric data item, is completed in response to the validation, by the biometric smart card, of a personal secret code of the biometric smart card user entered on a first external device to authorise a transaction between the biometric smart card and a second external device by way of the first external device.
    Type: Grant
    Filed: July 17, 2019
    Date of Patent: February 9, 2021
    Assignee: IDEMIA FRANCE
    Inventors: Bruno Climen, Benoît Mouroux
  • Patent number: 10916093
    Abstract: A casino credit access instrument comprises a source of funds for a player, such as for placing wagers to play casino-style games or to purchase other goods or services. The instrument defines a period of timed during which credit may be accessed up to a predetermined amount, defines a redemption period during which any accessed credit may be re-paid, and defines settlement terms if the instrument is not redeemed. Credit may be granted based upon financial collateral, which collateral may be executed upon to settle the instrument. The instrument provides a convenient source of funding for player at low risk to the casino or other lender.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: February 9, 2021
    Assignee: Everi Payments Inc.
    Inventors: Timothy Brian Richards, Kurt Douglas Sullivan
  • Patent number: 10915713
    Abstract: An apparatus and method and electronic device, the apparatus comprising: a memory element configured to store information; a switching element coupled to the memory element; wherein the switching element is configured to be switched from a first state to a second state in response to an input signal provided by a capacitive touch screen and wherein when the switching element is in the second state the information can be read from the memory element by the capacitive touch screen.
    Type: Grant
    Filed: March 6, 2019
    Date of Patent: February 9, 2021
    Assignee: Nokia Technologies Oy
    Inventors: Mark Allen, Chris Bower, Darryl Cotton, Yinglin Liu