Credit Or Identification Card Systems Patents (Class 235/380)
  • Patent number: 10667310
    Abstract: Techniques for conducting a transaction in a wireless communication system are described. The techniques may include detecting a transmission from a wireless communication device, determining that the transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the wireless communication device to conduct the transaction.
    Type: Grant
    Filed: January 10, 2019
    Date of Patent: May 26, 2020
    Assignee: Visa International Service Association
    Inventors: Thanigaivel Ashwin Raj, Sanjeev Sharma, Kaushik Subramanian
  • Patent number: 10664831
    Abstract: Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: May 26, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Colin Hart, Kevin Osborn, Rajko Ilincic
  • Patent number: 10666804
    Abstract: In a method for managing customer interactions for a customer contact center, the method includes: receiving, by a processor, information on an interaction to be routed; identifying, by the processor, a context associated with the interaction; receiving, by the processor, first proximity information relating to a proximity between an electronic device and a first proximity device; adjusting, by the processor, a proficiency level of an agent corresponding to the context associated with the interaction to a first value in response to the receiving of the first proximity information; determining, by the processor, whether or not the agent is qualified to handle the interaction based on the proficiency level; and transmitting, by the processor, a message for routing the interaction to the agent in response to determining the agent is qualified to handle the interaction based on the proficiency level.
    Type: Grant
    Filed: May 1, 2018
    Date of Patent: May 26, 2020
    Inventors: Ahmed Tewfik Bouzid, Pawel Harasimiuk, Aaron Wellman, Praphul Kumar, Herbert Willi Artur Ristock
  • Patent number: 10664828
    Abstract: An example method of processing a transaction associated with a prepaid debit card includes: triggering, by an agent executing on a point-of-sale (POS) device, an alternative handling procedure for the transaction; sending, as part of the alternative handling procedure, the transaction from the POS device to a server; verifying the transaction at the server; sending, in response to the transaction satisfying the step of verifying: a request from the server to an issuing bank system to fund an account associated with the prepaid debit card; and an authorization from the server to the POS device; and triggering, by the agent executing on the POS device in response to the authorization, a nominal handling procedure for the transaction.
    Type: Grant
    Filed: November 1, 2018
    Date of Patent: May 26, 2020
    Inventor: Raman Lakshmanan
  • Patent number: 10666551
    Abstract: A C-plane device in a path control system comprises: a storage unit storing designation information designating search key information of a node used as a search key determining a transmission destination and part information indicating a packet part in which the search key information is included; and a setting unit, in a case in which a new node is connected to the U-plane device, acquires node information relating to the new node, extracts search key information of the new node on the basis of the acquired node information and the stored designation information, and, in a case in which, in a packet received by the U-plane device, the search key information of the new node is included in a packet part indicated by the part information, sets a transmission destination of the packet for each of at least a part of U-plane devices.
    Type: Grant
    Filed: February 13, 2017
    Date of Patent: May 26, 2020
    Assignee: NTT DOCOMO, INC.
    Inventors: Youhei Katayama, Ryousuke Kurebayashi, Shigeru Iwashina, Motoshi Tamura
  • Patent number: 10664830
    Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
    Type: Grant
    Filed: December 18, 2018
    Date of Patent: May 26, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Kaitlin J. Newman, Wayne David Lutz, Kevin Grant Osborn, Paul Moreton
  • Patent number: 10665091
    Abstract: An ID setting device includes: an output circuit configured to output, as serial data, an ID to be set in an ECU, which is an ID setting target; an input circuit to which an ID that is set is input as serial data from the ECU; and a control unit configured to check the ID output by the output circuit and the ID input to the input circuit against each other. The serial data has a duty cycle which is according to setting data on a per bit basis.
    Type: Grant
    Filed: May 3, 2018
    Date of Patent: May 26, 2020
    Assignee: YAZAKI CORPORATION
    Inventors: Yoshihide Nakamura, Satoshi Morita, Yasuyuki Shigezane, Yoshinori Ikuta, Shuuji Satake
  • Patent number: 10664941
    Abstract: Various embodiments are generally directed to utilizing a steganographically encoded image with an offline and/or online verification or authentication protocol. A method for using the steganographic image can include: receiving or utilizing a steganographic image associated with a user at a third-party device, the steganographically encoded image including an identification of a user steganographically encoded with a fingerprint template of the user, and authenticating the user using the steganographically encoded image.
    Type: Grant
    Filed: December 24, 2019
    Date of Patent: May 26, 2020
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Srinivasa Chigurupati, Jeffrey Rule
  • Patent number: 10666704
    Abstract: An information providing system includes the following elements. An IC card stores card ID. An information providing terminal reads out the card ID of the IC card, provides information to the IC card, and transmits the card ID and the information provided to the IC card or the ID of the provided information to a management server. The management server receives the card ID and the information provided to the IC card or the provided information ID from the information providing terminal, has a database to manage the card ID and the provided information such that the card ID is associated with the provided information, acquires the information provided to the IC card from the database in response to an information request from a client terminal, and supplies the provided information to the client terminal. The client terminal displays the provided information supplied from the management server.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: May 26, 2020
    Assignee: SONY CORPORATION
    Inventor: Takashi Matsuo
  • Patent number: 10664846
    Abstract: A method for authenticating a transaction account, comprising: providing access to a transaction account after validating an account identifier associated with a payment card and authentication information of the transaction account; receiving an input instruction configured to request authentication of use of the payment card in a geographic region associated with the ATM; electronically transmitting, a plurality of data elements comprising the account identifier, the geographic region associated with the ATM, and a processing code indicative of the requested authentication of use of the payment card; receiving authentication permitting the payment card for use in the geographic region associated with the ATM; and displaying, data indicating the authentication permitting the payment card for use in the geographic region of the ATM.
    Type: Grant
    Filed: May 25, 2016
    Date of Patent: May 26, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Purnima Pattanayak
  • Patent number: 10657774
    Abstract: Embodiments of the method for authenticating may include causing an automated teller machine to replace a card verification value with an updated card verification value during a first transaction at the automated teller machine when a re-write condition is present, such as a request from an account holder, a determination that the security of the card was compromised during a prior transaction, a predetermined time interval has lapsed, a predetermined number of transactions have occurred since a previous time the card verification value was rewritten, and according to a predetermined geographical parameter. The updated card verification value may be stored as a current value in a verification value database. The method may include receiving a card verification request related to a second transaction, and authenticating, using verification logic, the second transaction by determining whether the card verification value for the second transaction matches the current value stored in the database.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: May 19, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michael Thomas, Jesse Lee, Steve Puffer, Jerome Rhodes
  • Patent number: 10656005
    Abstract: The invention provides a level switch having a near field communications facility which allows at least some functions of the switch to be powered and the communication of data between the switch and a reader. Application and calibration information are examples of data that can be read to and from the switch, both in the factory and in the field.
    Type: Grant
    Filed: May 18, 2016
    Date of Patent: May 19, 2020
    Assignee: ROSEMOUNT MEASUREMENT LIMITED
    Inventors: Jeffery Allan Sears, Gregory Michael Leach
  • Patent number: 10657430
    Abstract: A magnetic strip card includes a partial encrypted card payload encrypted with a long shared key to provide a final encrypted payload. A method for encoding the magnetic strip card includes encrypting a card payload with a code key of a access controls with a short key of the access control to generate a partial encrypted payload and encrypting the partial encrypted payload with a long shared key to provide a final encrypted payload.
    Type: Grant
    Filed: October 12, 2018
    Date of Patent: May 19, 2020
    Assignee: Carrier Corporation
    Inventors: Devu Manikantan Shila, Penghe Geng, Vijaya Ramaraju Lakamraju, Nicholas Charles Soldner, Alan Marchiori
  • Patent number: 10657557
    Abstract: A system and/or method may be provided to notify a user of incentives offered by various funding sources based on the user's location. In particular, incentives offered by various funding sources at various merchant locations are determined. The user's location and movements are monitored. When the user approaches or is near a merchant location where a funding source offers incentives, a notification maybe generated and presented to the user to notify or remind the user of the incentives offered at the merchant location. The notification may include description of the incentives and directions on how to obtain the incentives.
    Type: Grant
    Filed: April 18, 2014
    Date of Patent: May 19, 2020
    Assignee: PAYPAL, INC.
    Inventor: Frederic Billou
  • Patent number: 10657343
    Abstract: There are provided systems and methods for location-based embedded patterns for vehicle detection and data processing. A user's device, which may be connected to or associated with a vehicle may include a directional camera capable of capturing images in a direction for a directional perspective of the vehicle, such as a front, side, or back. The image captured may have an embedded pattern or code that is associated with data that may decoded or retrievable using the embedded pattern. The vehicle's device may utilize the code to determine the data and may activate a process for an application based on the data. In some embodiments, the data may also be loaded to the process or may cause the process to load or retrieve other data. The vehicle's device may utilize the process based on a location of the vehicle, as well as services provided at the location.
    Type: Grant
    Filed: December 10, 2018
    Date of Patent: May 19, 2020
    Assignee: PAYPAL, INC.
    Inventor: Todd Studnicka
  • Patent number: 10657580
    Abstract: A system and method includes receiving a plurality of orders having one or more items, separating the orders by load number and due times, batching the separate orders into different commodities, generate optimized rebatched orders according to an optimization algorithm that generates the optimized rebatched orders based on at least one of distance and volume of the items of the one or more items within the batched orders of the different commodities, sorting the one or more items within the rebatched orders by sequence numbers, and transmitting the sorted one or more items to a user device.
    Type: Grant
    Filed: January 27, 2017
    Date of Patent: May 19, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Ashwin Kumar, Ameya Ajay Shendre, Pratosh Deepak Rajkhowa
  • Patent number: 10650385
    Abstract: Before providing goods or services, a party being paid (the “payee”) wants assurances that the party paying (the “payor”) will in fact provide payment. Such assurances are even more important when the payee is using a payment method other than cash currency. A method described includes receiving for a transaction between a payor and a payee, via a computer network, payor and payee information and transaction information; receiving from an electronic device an indication for payment for the transaction, wherein the indication includes a type of payment and a transaction amount; communicating payor and payee information, transaction amount, and type of payment to a payor bank; receiving from the payor bank a notification of assurance associated with a check for payment for the transaction; and communicating to the payee that payment for the transaction is assured.
    Type: Grant
    Filed: January 22, 2014
    Date of Patent: May 12, 2020
    Assignee: VIEWPOST, LLC
    Inventor: Max Eliscu
  • Patent number: 10650632
    Abstract: Systems and methods are provided for use in providing digital identities for users. One exemplary method includes receiving, at a card device, an authentication request and a captured first biometric of the user, from a communication device associated with the user, and comparing the first biometric and a first biometric reference at the card device, when the first biometric reference is stored in 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 associated with the comparison of the first biometric to the first biometric reference and a second indicator associated with the comparison of the second biometric to the second biometric reference, and transmitting the response to the communication device.
    Type: Grant
    Filed: December 22, 2017
    Date of Patent: May 12, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ashfaq Kamal, Sumeet Bhatt, Robert D. Reany
  • Patent number: 10652734
    Abstract: In one embodiment, the invention provides a portable wireless personal communication system for cooperating with a remote certification authority to employ time variable secure key information pursuant to a predetermined encryption algorithm to facilitate convenient, secure encrypted communication. The disclosed system includes a wireless handset, such as PDA, smartphone, cellular telephone or the like, characterized by a relatively robust data processing capability and a body mounted key generating component which is adapted to be mounted on an individual's body, in a permanent or semi-permanent manner, for wirelessly broadcasting, within the immediate proximity of the individual, a secret or private key identifying signal corresponding to a time variable secure key information under the control of the certification authority.
    Type: Grant
    Filed: December 21, 2016
    Date of Patent: May 12, 2020
    Assignee: MLR, LLC
    Inventor: Charles M. Leedom, Jr.
  • Patent number: 10651671
    Abstract: A wireless power charging system has a wireless power transmission apparatus formed to charge a plurality of wireless power receiving apparatuses located in a short distance therefrom, wherein the total charging time for the wireless power receiving apparatuses is saved. The wireless power transmission apparatus has a main control unit and a resonant converter unit, which transmit the electric signal to the wireless power receiving apparatus via the resonance signal generated from a primary charge core in order to change the wireless power receiving apparatuses. The wireless power transmission apparatus also includes an output signal conversion module for transmitting a converted electric signal to the resonant converter unit and a received signal process module for processing a signal transmitted form the wireless power receiving apparatus.
    Type: Grant
    Filed: May 15, 2017
    Date of Patent: May 12, 2020
    Assignee: Intel Corporation
    Inventor: Chun-Kil Jung
  • Patent number: 10652735
    Abstract: A system for programming, controlling and monitoring wireless networks enabling a wireless device (Dev) being utilized and integrated into car electronic control module or home (or business) alarm/security system. This system also presents a general control (robotic) device, which controls general input and output functions, where plurality of cellular handsets, internet devices can co-control, monitor, share and exchange information through the cellular, the internet networks and other wire/wireless network.
    Type: Grant
    Filed: May 11, 2018
    Date of Patent: May 12, 2020
    Inventor: Sol Mingso Li
  • Patent number: 10647147
    Abstract: A anti-counterfeiting medium includes a support substrate, an OVD forming layer, and a latent image layer in this order. The latent image layer has plural regions with optical axes of a birefringent material aligned in directions different from each other. The OVD forming layer includes an uneven-structure-forming layer is made up of a first region and a second region, and a reflecting layer. The first region is a region made up of a flat part and plural convexities or concavities. The second region is configured by a flat part. Each of the plural convexities and concavities has a 0.3 to 5 ?m long side dimension and short side dimension and height or depth of 0.1 to 0.5 ?m or less.
    Type: Grant
    Filed: November 20, 2018
    Date of Patent: May 12, 2020
    Assignee: TOPPAN PRINTING CO., LTD.
    Inventors: Kozue Umeda, Mihoko Okawa
  • Patent number: 10643199
    Abstract: A system and method is provided for generating a sensory indication on a transaction card, whereby a user is rewarded with a visual, audial, haptic, or olfactory experience. The method comprises executing a purchase transaction on the card, the transaction relating to an event, charging a power source on the card, receiving an input signal by the card, the signal indicating an output indication relevant to the event, and generating an output signal using power from the power source, based on the input signal. The card comprises a security component enabling a purchase relating to an event, a power source receiving charging energy at the time of the purchase, an input component receiving an input signal comprising information specifying a desired indication relevant to the event, an output component for generating the desired indication, one or more memories storing instructions and one or more processors executing the instructions to perform the method.
    Type: Grant
    Filed: October 16, 2019
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventor: Daniel Herrington
  • Patent number: 10643062
    Abstract: A server system stores a database of records. Each record stores a digital image of a pet, facial recognition markers, and owner identification information. An owner may register his/her pet using a cellular telephone and a mobile app. The owner is prompted to supply a digital photograph of the pet and to enter eye and nose location information. The system generates therefrom facial recognition markers and stores the markers in a record. If a lost pet is found, a finding user can use a cellular telephone to take a picture of the animal and to enter eye and nose location information. The system generates markers and compares the markers in a facial recognition process to other stored markers to identify records of animals that resemble the lost pet. If the record of the lost pet is identified, then owner identification information in the record is used to contact the owner.
    Type: Grant
    Filed: September 3, 2019
    Date of Patent: May 5, 2020
    Assignee: Finding Rover, Inc.
    Inventors: John Polimeno, Jason John Polimeno, Steven P. Callahan, John M. Schreiner, Rick S. Chang
  • Patent number: 10643116
    Abstract: Disclosed are a method, a system and/or a device for contactless encoding and printing of a triple interface smart card through a near-field network. In one embodiment, a triple interface encoding device includes a production controller communicatively coupled to an object encoding array, an object conveyor transport, and an object encoding server. The production controller may detect a sequence of target objects and associates it with one of a plurality of user accounts. The object encoding server configures the object encoding array to contactlessly encode the target object. Further, the object encoding server configures target object feeder to automatically deploy a number of target objects equal to a number of contactless encoders of the object encoding array onto the conveyor belt of the object conveyor transport spaced at corresponding repeat positions as the number of contactless encoders. Furthermore, object encoding server configures the conveyor belt to position the target objects.
    Type: Grant
    Filed: November 16, 2018
    Date of Patent: May 5, 2020
    Assignee: GRAPH-TECH-USA, LLC
    Inventors: William H. Strater, Jr., Markus Portmann
  • Patent number: 10643198
    Abstract: A method for performing at least one secure exchange within a system including first and second electronic devices (20A, 20B) and a dual reader (10) including means for connection to each of the devices and preferably a human-machine interface, and at least one server (30) to which information relating to the exchange is able to be communicated, this method including the steps of: a) entering, into the reader (10), using its interface or an external apparatus that is connected thereto, an item of information relating to an exchange to be performed between the first and second devices (20A, 20B), b) registering, in the first device (20A), using the reader (10), an item of information relating to the exchange, c) registering, in the second device (20B), in particular using the reader (10), an item of information relating to the exchange, and by default canceling the exchange, d) transmitting the data relating to said transaction to said server (30).
    Type: Grant
    Filed: October 26, 2018
    Date of Patent: May 5, 2020
    Assignee: MARBEUF CONSEIL ET RECHERCHE
    Inventor: Bruno Sangle Ferriere
  • Patent number: 10643205
    Abstract: A system and method for processing lending transactions that may facilitate prompt transfer of funds (for example, loan funds) to an individual in a secure manner. An adaptive payment server may receive first identification information, second identification information, and a request for a fund transfer. The adaptive payment server may determine an account associated with the first identification information. The adaptive payment server may authenticate identification of the account based on the second identification information. The adaptive payment server may initiate a deposit of a fund amount associated with the request into the identified account, wherein the fund amount is deposited substantially immediately after the identified account has been authenticated.
    Type: Grant
    Filed: July 23, 2013
    Date of Patent: May 5, 2020
    Assignee: MTS Holdings, Inc.
    Inventors: Shashi Kapur, Ralph A. Bianco
  • Patent number: 10637854
    Abstract: Described are user-wearable devices utilizing encryption authentication techniques to ensure security of any data transmission to and from these devices. In order to provide privacy and security of user-wearable device signals, unique encryption technology is employed together with the use of biometrics associated with each user. The user-wearable devices may be electronic and can include one or more circuits, power sources, displays, and transceivers with biometric data transceiver portions. The devices can establish communications with a counterpart communication device or system in order to provide the ability to perform specific secured transactions. The biometric data transceivers are capable of reading a user's encrypted biometric data and then transmitting the encrypted data to a user identity validation distributed auto-synchronous array (DASA) database which allows for decryption, identification, and authentication of both the user(s) and the transaction(s).
    Type: Grant
    Filed: November 2, 2018
    Date of Patent: April 28, 2020
    Inventor: Daniel Maurice Lerner
  • Patent number: 10636020
    Abstract: Aspects described herein may allow for prompting a user to access an on-line tool to create an identification element to be added to an exterior surface of a personal card. A server device may prompt the user to select a location for the identification element from a plurality of pre-selected locations on the personal card, each of the plurality of pre-selected locations being proximate edges of the personal card and outward of any of magnetic strips, chips, text, photos, and images on the personal card. The server device may modify an exterior surface of the personal card to include the identification element at the selected location, and deliver the personal card to the user.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: April 28, 2020
    Assignee: Capital One Services, LLC
    Inventors: Melissa Crawford, Jeremy Goodsitt, Micah Price
  • Patent number: 10628821
    Abstract: The present disclosure and related inventions describe a system and method by which gift cards may be user-activated and assigned value using Radio Frequency Identification (RFID). The user-activated gift card contains an RFID chip embedded therein that works in conjunction with a mobile website or mobile app to allow users to activate and assign value to the gift card at any time and at any place.
    Type: Grant
    Filed: October 2, 2017
    Date of Patent: April 21, 2020
    Assignee: American Greetings
    Inventor: Allison Marsh
  • Patent number: 10629299
    Abstract: A radio frequency module coupled to an object is disclosed. The radio frequency module includes an antenna unit, operating in one of a first mode and a second mode to receive a radio frequency signal and to transmit an identification signal, wherein the frequencies of the radio frequency signal and the identification signal is an operation frequency; and a chip unit, coupled to the antenna unit and is utilized for generating the identification signal according to the radio frequency signal received by the antenna unit; wherein the identification signal transmitted by the antenna unit operating in the second mode is the same as the identification signal transmitted by the antenna unit operating in the first mode.
    Type: Grant
    Filed: October 7, 2019
    Date of Patent: April 21, 2020
    Assignee: Wistron Corporation
    Inventor: Ssu-Han Ting
  • Patent number: 10628722
    Abstract: A structure for a contact-less card, the contact-less card may include a touch sensor electrically coupled to a fixed power source or electrically coupled to an antenna. The contact-less card may include a contact-less communication controller electrically coupled to the touch sensor. The contact-less communication controller includes an integrated circuit containing card information. The integrated circuit transmits the card information based on a signal from the touch sensor. The contact-less card may include an antenna electrically coupled to the contact-less communication controller. The antenna transmits card information received from the contact-less communication controller.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: April 21, 2020
    Assignee: International Business Machines Corporation
    Inventor: Cesar Augusto Rodriguez Bravo
  • Patent number: 10628854
    Abstract: A method for loading a layout with advertising item data is provided. Layout header data is parsed. A layout item object is then built. Global layout variables are replaced with values. Local layout variables are replaced with data from content objects. Displayed data is then created.
    Type: Grant
    Filed: March 28, 2016
    Date of Patent: April 21, 2020
    Assignee: CELLFIRE LLC
    Inventors: Preston Tollinger, Brent Dusing
  • Patent number: 10623384
    Abstract: Devices that conceal transmission(s) transmitted to and/or reveal transmission(s) received from these devices comprising at least one executable coded cipher key(s) at least one executable coded encryption key (ECEK) device that securitizes transmission(s) that uses executable coded cipher key(s), and at least one executable coded decryption key (ECDK) device that reveals transmission(s) such that a combined device is a RDDS/ECDK device that transmits randomized data with data sub-channels and with ECEKs; and that also utilizes at least one executable coded cipher key(s), such that transmission(s) sent to an encrypter/decrypter memory that stores transmission(s) while the transmission(s) is concealed and/or revealed.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: April 14, 2020
    Inventor: Daniel Maurice Lerner
  • Patent number: 10621570
    Abstract: Disclosed herein are systems, methods, and computer-readable storage devices for enabling users of mobile devices to load funds onto an account with an online marketplace. Instead of linking a payment card with the account, or requiring users to purchase a plastic card from a retailer, a user enrolls his account with the online marketplace to generate a barcode that can be rendered on the mobile device. The user presents the barcode to a merchant for scanning. The merchant scans the barcode to retrieve a serial number, which is submitted to the online marketplace to uniquely identify the user's account. Then the user can provide funds to the merchant for loading onto the account, and the merchant can use existing payment infrastructure for processing traditional physical plastic cards for loading funds. This approach avoids costs associated with distributing, manufacturing, and stocking plastic cards, and also saves shelf space at retail locations.
    Type: Grant
    Filed: March 3, 2014
    Date of Patent: April 14, 2020
    Assignee: Apple Inc.
    Inventors: Lorraine Meere, Glenn D. Epis
  • Patent number: 10621598
    Abstract: Methods and Systems for facilitating interactions. Exhibitor information about an exhibitor can be received. Prospect information about a prospect can be received. Ambassador information about an ambassador can be received. A prospect QR code of a prospect device can be captured with an ambassador QR reader in order to link together the ambassador information and the prospect information. A universal unique identifier (UUID) code associated with the prospect QR code can be compared against information in the database assigning UUID codes to prospects. A push notification can be sent to the prospect device associated with the prospect assigned the UUID code when a match is found linking the UUID code to the prospect.
    Type: Grant
    Filed: April 21, 2016
    Date of Patent: April 14, 2020
    Inventor: Richard Greenwald
  • Patent number: 10614447
    Abstract: A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: April 7, 2020
    Assignee: EWI HOLDINGS, INC.
    Inventors: Roni Dolev Tamari, Larry Herbinaux, Darren New, Miles Paschini, Patrick K. Hazel, Marshall Rose
  • Patent number: 10614452
    Abstract: A computing device for providing risk-based decisioning to a merchant during payment card transactions is provided herein. The computing device is programmed to receive, from the merchant, transaction data associated with a payment card transaction. The computing device is further programmed to compute a risk score for the payment card transaction based at least in part on the transaction data and infrastructure data associated with the payment card transaction. The computing device is also programmed transmit an indication of acceptable risk to the merchant if the risk score satisfies a first pre-defined threshold. The computing device is still further programmed to initiate an authentication challenge of the suspect consumer if the risk score satisfies a second pre-defined threshold.
    Type: Grant
    Filed: May 22, 2015
    Date of Patent: April 7, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Christian P. Tomasofsky, Steve E. Hubbard, Luis Felipe de Almeida Ferreira da Silva, Johan Gerber, Clara Salazar, Michelle Hafner
  • Patent number: 10615977
    Abstract: An example network communication device include a communication circuit and a processing circuit. The communication circuit securely communicates over a network using a rotating code and the processing circuit enter a sleep mode at which time values of the rotating code are unknown by the network communication device. The processing circuit enters the sleep mode by requesting another network communication device of the network to authorize entering the sleep mode, and entering the sleep mode responsive to an indication verifying that the network communication device and the other network communication device agree on a set of secure parameters that is created pseudo-randomly, wherein the processing circuit enters the sleep mode with the set of secure parameters as stored for awakening but without storage of the values of the rotating key.
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: April 7, 2020
    Assignee: NXP B.V.
    Inventors: Sujan Pandey, Piotr Polak
  • Patent number: 10614441
    Abstract: The present invention relates to a method for a secure transaction utilizing a portable radio communication device (10), wherein both parts in the secure transaction are protected against fraudulent actions, among other things by use of a common transaction identity on a predefined transaction server.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: April 7, 2020
    Assignee: Accumulate AB
    Inventors: Stefan Hultberg, Magnus Westling
  • Patent number: 10609026
    Abstract: Provided are a data communication method using a secure element and an electronic system adopting the same. The data communication method includes: exchanging certificate information between an application processor of an electronic device and a secure element; setting up a secure channel through mutual authentication between the application processor and the secure element by using a public key and a secret key after the exchange of the certification information; and performing data communication between the application processor and the secure element through the secure channel.
    Type: Grant
    Filed: March 10, 2016
    Date of Patent: March 31, 2020
    Assignee: SAMSUNG ELECTRONICS CO., LTD.
    Inventors: Jerome Han, Ki-hyoun Kwon, Jun-ho Lee, Sung-hoon Son, Seung-ho Lee
  • Patent number: 10598526
    Abstract: Embodiments include methods, and computer system, and computer program products for performing test and calibration of integrated sensors on a processor chip. Aspects include: initializing, by a tester program, an on-chip service engine of processor chip, performing and completing, by on-chip service engine, test and calibration of integrated sensors. The method may also include: loading and decoding tester program into an on-chip service engine memory, testing and calibrating each integrated sensor, which may include: selecting an integrated sensor for test and calibration, loading sensor test and calibration patterns and parameters, and sensor test code, and executing the sensor test code to test and calibrate integrated sensors, writing results of the test and calibration to a predetermined location of the on-chip service engine memory, and writing a return code of test and calibration to another predetermined location of on-chip service engine memory, when every integrated sensor is tested and calibrated.
    Type: Grant
    Filed: March 8, 2016
    Date of Patent: March 24, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Mitesh Agrawal, Preetham M. Lobo, Franco Motika, John D. Parker, Gerard M. Salem, Tobias Webel
  • Patent number: 10601593
    Abstract: A “Database Confidentiality System” provides various techniques for using server-side trusted computing in combination with configurable type metadata and user- or system-definable rules associated with individual database fields to implement database confidentiality. In various implementations, type metadata and one or more rules are added to each database field. Metadata includes a domain, method of encryption, and a pointer to an encryption key used to encrypt the data in the corresponding field. The rules define one or more operations allowed on the corresponding data types. The type metadata and rules are optionally integrity protected and/or encrypted to avoid unauthorized changes or access. Various encryption techniques (e.g., probabilistic, Paillier, etc.) allow some computations to be performed in an untrusted environment without access to the encryption key.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: March 24, 2020
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventors: Panagiotis Antonopoulos, Donald Alan Kossmann, Ravi Ramamurthy, Kenneth Hiroshi Eguro, Raghav Kaushik, Kedar Dubhashi, Arvind Arasu, Joachim Hammer, Jakub Szymaszek, Bala Neerumalla
  • Patent number: 10600047
    Abstract: A wearable device receives ticket information for an event and information indicating a quantity of funds allocated from an account, associated with a user of a user device, to the wearable device, and stores the ticket information and the information indicating the quantity of funds. The wearable device utilizes a wireless component to pair the wearable device and the user device, and provides, to the user device and via the wireless component, the ticket information and information indicating access privileges for the event. The wearable device generates a token for a PoS device for a charge incurred at the event during an offline transaction with the PoS device, and provides, via a NFC component, the token to the PoS device. The wearable device provides, to the user device and via the wireless component, information indicating that that the token was provided to the PoS device.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: March 24, 2020
    Assignee: Capital One Services, LLC
    Inventor: Adam Koeppel
  • Patent number: 10599878
    Abstract: Technologies are provided herein and include embodiments for protecting applications and information on a user computing device and include generating a menu of icons including an application icon and a decoy icon that correspond to a mobile application in a mobile device, where the application icon is assigned to a first location in the menu and the decoy icon is assigned to a second location in the menu. The embodiment further includes communicating icon location information to the mobile application, providing the menu of icons for display on a display screen of the mobile device, receiving a first indication of user input to select the decoy icon in the menu of icons, invoking the mobile application based on the decoy icon being selected, and communicating, to the mobile application based on the decoy icon being selected, second location information indicating the second location in the menu of icons.
    Type: Grant
    Filed: November 20, 2017
    Date of Patent: March 24, 2020
    Assignee: CA, Inc.
    Inventors: Mohammed Mujeeb Kaladgi, Ruqiya Nikhat Kaladgi, Yashwant Ramkishan Sawant, Sandeep Banisetti
  • Patent number: 10594842
    Abstract: The present invention relates to a method for real-time synchronization between a device and host servers, characterized by: providing an embedded program to the device to enable self discovery of the device; executing a decision controller process of the embedded program on the device to detect a tag identity previously generated and embedded in the device, by the host servers; in absence of the tag identity, scanning the device to obtain a device profile, allocating a tag identity to the device profile, and storing the tag identity in the predetermined location; performing synchronization between the device and the host servers according to the tag identity.
    Type: Grant
    Filed: November 22, 2012
    Date of Patent: March 17, 2020
    Assignee: ZingMobile Pte Ltd
    Inventor: Yuen Yu Tang Gordon
  • Patent number: 10592907
    Abstract: Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. The executed payment software may authenticate, with an external server, that the account is paired with the payment software of the user device, and transmit a result of the authenticating to a payment network.
    Type: Grant
    Filed: May 16, 2016
    Date of Patent: March 17, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Manoneet Kohli
  • Patent number: 10595450
    Abstract: A magnetic sheet for a communications module includes a magnetic material. The magnetic sheet includes crushed cracks in a first region and a second region disposed adjacent to the first region. Degrees of crushed cracks are different in the first region and the second region.
    Type: Grant
    Filed: April 20, 2016
    Date of Patent: March 17, 2020
    Assignee: WITS Co., Ltd.
    Inventors: Seung Min Lee, Jung Young Cho, Jung Wook Seo, Doo Ho Park
  • Patent number: 10586229
    Abstract: Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token.
    Type: Grant
    Filed: July 8, 2013
    Date of Patent: March 10, 2020
    Assignee: Visa International Service Association
    Inventors: Simon Hurry, Ayman Hammad
  • Patent number: 10587420
    Abstract: Disclosed is a method implemented in an identity document including a microcircuit and a unit enabling the microcircuit to communicate with a terminal, the microcircuit being designed to permit the transmission of data obtained (directly or indirectly) from data memorized in a storage zone in response to a request received from the terminal, furthermore including the following steps: reception by the microcircuit of an identifier of the terminal; at least partial comparison of the identifier of the terminal and of at least one portion of an identifier stored in the microcircuit; and performance of a set action depending on the result of the comparison. An identity document in which such a method is implemented is also described.
    Type: Grant
    Filed: November 27, 2015
    Date of Patent: March 10, 2020
    Assignee: IDEMIA FRANCE
    Inventors: Alban Feraud, Arnaud Sourdrille