Having Security Or User Identification Provision (password Entry, Etc.) Patents (Class 705/18)
  • Patent number: 11328341
    Abstract: The present invention relates to a system and method for individuals of social network service to transmit or receive digital gift items via mobile applications connected to merchant point of sale systems. The social networking service stores data pertaining to a plurality of merchant and customers subscribing to services of a social networking service. The social networking service may receive a request from a first user to send a digital gift, which represents a good or service offered by a merchant, to a second user. The social networking service transmits a representation of the digital gift and an interactive element to a second user for enabling the second user to accept the digital gift. Upon receiving an indication that the second user has accepted the digital gift, the social networking service is configured to instantly generate a communication channel for the second user to contact the first user, and also facilitate processing of a payment associated for the digital gift.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: May 10, 2022
    Inventor: Deshon Owens
  • Patent number: 11321708
    Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.
    Type: Grant
    Filed: August 21, 2020
    Date of Patent: May 3, 2022
    Assignee: Apple Inc.
    Inventors: Benjamin D. Chester, Glen W. Steele, Jeff W. Lin, Vineet Chadha
  • Patent number: 11316830
    Abstract: A digital content security and communication system is disclosed. The digital content security and communication system may include one or more data stores to manage data within a network, and one or more servers to facilitate operations using information from the one or more data stores. The digital content security and communication system may include an analytics subsystem, the analytics subsystem system comprising a data access interface to receive data associated with a user interacting with an online application, and receive data from a data source.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: April 26, 2022
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Anthony McDougall, Kenton Dalkeith Jurgs, Chia Jung Chang
  • Patent number: 11288646
    Abstract: Facial recognition is used to allow access to platform-agnostic account information. A processing and verification device receives a request for a transaction requiring access to account information of a user. Responsive to the request, a new image of the user is generated, such as using an image sensor of a camera. The new image is used to query a database to determine whether an existing image stored in the database matches or substantially matches the new image. Responsive to a positive result of the query, the request is allowed by the processing and verification device granting the access to the account information. The access to the account information is then used to complete the transaction. The account information uses a global architecture such that it can be used with different hardware and software configurations of a connected system.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: March 29, 2022
    Assignee: 365 Retail Markets, LLC
    Inventors: Krishna Vedula, Dennis Yee
  • Patent number: 11238146
    Abstract: A system comprises a combination of digital fingerprint authentication techniques, processes, programs, and hardware to facilitate highly reliable authentication of a wide variety of composite physical objects. “Composite” in this case means that there are distinct regions of the object that must be authenticating individually and in tandem to authenticate the entire object. Preferably, a template is stored that defines for a class of objects what regions must be found, their locations, optionally semantic content of the regions, and other criteria. digital fingerprinting is utilized to locate and attempt to match candidate regions by querying a database of reference object records.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: February 1, 2022
    Assignee: ALITHEON, INC.
    Inventor: David Justin Ross
  • Patent number: 11227271
    Abstract: Association information received from a number of mobile devices is recorded at a server end, where each mobile device is associated with a user that is pre-registered with the server end. An identification request is received at the server end and from a cashier device, where the identification request includes identity information associated with a particular user. One or more payment candidates corresponding to the cashier device are determined by the server end. A particular user account corresponding to the particular user is determined by the server end by comparing the identity information from the identification request with identity information associated with each of the payment candidates. The particular user account is returned by the server end to the cashier device for making a payment.
    Type: Grant
    Filed: July 31, 2020
    Date of Patent: January 18, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Li Chen, Hong Zhang, Le Zhou
  • Patent number: 11188900
    Abstract: A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source.
    Type: Grant
    Filed: December 1, 2016
    Date of Patent: November 30, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Ankur Arora
  • Patent number: 11182792
    Abstract: A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A personal digital key (PDK) is programmed using a trusted programming device to initialize and/or register the PDK for use. In one embodiment, the initialization and registration processes are administered by a specialized trusted Notary to ensure the processes follow defined security procedures. In a biometric initialization, the programming device acquires a biometric input from a user and writes the biometric data to a tamperproof memory in the PDK. In registration, the Programmer communicates to one or more remote registries to create or update entries associated with the user PDK. Once initialized and registered, the PDK can be used for various levels of secure authentication processes.
    Type: Grant
    Filed: June 4, 2020
    Date of Patent: November 23, 2021
    Assignee: Proxense, LLC
    Inventors: John J. Giobbi, David L. Brown, Fred S. Hirt
  • Patent number: 11182772
    Abstract: The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: November 23, 2021
    Assignee: WORLDPAY LIMITED
    Inventors: Ben Burdsall, Jonathan Vokes
  • Patent number: 11176546
    Abstract: The systems, methods and apparatuses described herein provide a virtual integrated circuit card (ICC). In one aspect, a method of creating a virtual ICC may be provided. The method may comprise obtaining executable code configured to run on a user device to facilitate financial transactions, preparing a first encryption key usable by the executable code, receiving a second encryption key associated with the user device, forming a virtual ICC comprising the executable code and the first encryption key, and encrypting the virtual ICC with the second encryption key. In another aspect, a virtual ICC may be embodied on a non-transitory computer-readable medium. The virtual ICC may comprise executable code configured to run on a user device to facilitate financial transactions and a first encryption key usable by the executable code. The virtual ICC may be encrypted using a second encryption key associated with the user device.
    Type: Grant
    Filed: March 14, 2014
    Date of Patent: November 16, 2021
    Assignee: OLogN Technologies AG
    Inventors: Sergey Ignatchenko, Dmytro Ivanchykhin
  • Patent number: 11151847
    Abstract: Embodiments of the present invention provide a computer system, a computer program product, and a method that comprises identifying at least a first physical sensor and a second physical sensor within a computing device, wherein each physical sensor is associated with a respective count; performing a predetermined operation within the computing device; authenticating the received command of at least the first physical sensor and the second physical sensor identified within the computing device; and automatically halting the operation of the computing device.
    Type: Grant
    Filed: March 12, 2020
    Date of Patent: October 19, 2021
    Assignee: International Business Machines Corporation
    Inventors: Juscelino Candido De Lima Junior, Antonio Joao Schwartz Soares, Carlos Eduardo Seo, Camilla da Graca Portes Ogurtsova
  • Patent number: 11151528
    Abstract: This disclosure describes techniques and arrangements for splitting one or more items from a ticket to another ticket. Some techniques and arrangements facilitate the splitting of one or more items from an open ticket to one or more split tickets. In some implementations, a foster ticket is utilized to account for items associated with split tickets. Other techniques and arrangements include providing split ticket suggestions. In some implementations, split ticket suggestions are provided based on historical ticket information and/or customer information.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: October 19, 2021
    Assignee: Square, Inc.
    Inventors: Christopher Philip Renke, Justin Brunet
  • Patent number: 11138611
    Abstract: A system for managing and transferring a virtual shopping cart. The system includes a product identification system that is programmed to identify products from a product identification tag, a cart identification system that is configured to generate a cart identifier that uniquely identifies the virtual shopping cart, and a cart management engine. The cart management engine is configured to receive products to add to the virtual shopping cart from the product identification system, associate the products with the cart identifier, and transfer access to the virtual shopping cart from a first device to a second device.
    Type: Grant
    Filed: November 22, 2019
    Date of Patent: October 5, 2021
    Assignee: Target Brands, Inc.
    Inventors: Jayachandran Sivan, Michael Shawn Whitsitt, Kraig Narr
  • Patent number: 11093938
    Abstract: A server for processing a card-not-present transaction is described. The server comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: (i) receive a transaction authorization request, where the transaction authorization request comprises an indication of a payment card number and a delivery address used in the card-not-present transaction; (ii) retrieve, from a database, a registered address associated with the indication of the payment card number, the database being operatively connected to the server; (iii) compare the delivery address with the registered address; and (iv) generate a transaction authorization response based on a result of the comparison, where the transaction authorization response comprises an indication that the card-not-present transaction is to proceed if the delivery address matches the registered address.
    Type: Grant
    Filed: June 28, 2018
    Date of Patent: August 17, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Pravin Parekh
  • Patent number: 11080710
    Abstract: Various embodiments herein each include at least one of systems, methods, and software for in situ and network-based transaction classification. Such embodiments use advanced data analytics and machine learning techniques of consumer's transaction attributes to reduce shrink at checkout. One embodiment, in the form of a method, includes processing a dataset of transactions to identify normal transaction patterns and processing a dataset of transactions that included known fraud to identify variation patterns between the identified normal transaction patterns and the data of each transaction. The method further includes generating at least one pattern model based on the identified normal transaction patterns and the identified variation patterns. In such embodiments, each pattern model typically includes classification values for determining a likelihood of fraud in transactions.
    Type: Grant
    Filed: May 5, 2020
    Date of Patent: August 3, 2021
    Assignee: NCR Corporation
    Inventor: Charles Robert Cash
  • Patent number: 11049176
    Abstract: An automated system/method for identifying and enabling viewer selection/purchase of products or services associated with digital content presented on a display device. Products within the digital content are identified and existing product placement data is ascertained. For products that do not include such data, other methodologies, with the assistance of third-party servers, are employed to assess identity and purchase availability. Viewer input designate products to assess or products can be automatically assessed. Viewers initiate purchase of identified products via the display device or other electronic devices controlled by viewers, such as via viewers' smart phones. Various processes for identifying products include use of AI processing, access to data on third-party servers, crowd sourcing and other methodologies. Various techniques for selecting products for purchases are employed including employing 3D codes (e.g.
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: June 29, 2021
    Assignee: HOUSE OF SKYE LTD
    Inventor: Skye Drynan
  • Patent number: 11030311
    Abstract: Detecting and protecting against computing breaches based on lateral movement of a computer file within an enterprise. A method may include obtaining data associated with an existence a computer file in a first computing device and a second computing device of an enterprise, detecting a pattern of lateral movement of the computer from the first computing device to the second computing device over a predetermined period of time, based on the data, calculating a likelihood score that the computer file is malicious based on the detected pattern, determining that the likelihood score satisfies a predetermined breach threshold, and in response to determining that the likelihood score satisfies the predetermined breach threshold, initiating remedial action on the computer file to protect the enterprise against the computer file.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: June 8, 2021
    Assignee: CA, Inc.
    Inventor: Alejandro Mosquera Lopez
  • Patent number: 11017427
    Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: May 25, 2021
    Assignee: WORLDPAY, LLC
    Inventors: Brent Badger, Dennis Kettler
  • Patent number: 11010782
    Abstract: A contemplated method includes: utilizing at least one processor to execute computer code that performs the steps of: receiving, from an application installed on the information handling device, a request to access a service provided by a service provider; providing, to the application, access to the requested service; and receiving, from the application, payment for provided access to the requested service, wherein information is received from the information handling device as a credit for at least a portion of the payment; the information being received via: sending, to the application, a context information request, wherein the context information request comprises a request for context information associated with the information handling device; sending, to the application, a request for information, wherein the request comprises at least one suggestion for information to be provided by the information handling device and wherein the at least one suggestion for information is based on received context in
    Type: Grant
    Filed: October 16, 2015
    Date of Patent: May 18, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Vijay Ekambaram, Sarbajit K. Rakshit
  • Patent number: 11004074
    Abstract: A payment device includes a biometric sensor configured to receive a biometric measurement from a user. The payment device also includes a display configured to selectively display sensitive payment account information for a payment account of the user. The payment account is associated with the payment device. The payment device further includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the payment device to receive the biometric measurement from the biometric sensor. The user is authenticated if the biometric measurement matches a stored biometric of the user. Upon authenticating the user, the sensitive payment account information is displayed on the display. The sensitive payment account information is removed from the display a first predetermined time period after authenticating the user.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: May 11, 2021
    Assignee: Wells Fargo Bank. N.A.
    Inventors: Sarah Hiccox, Marcia N. Kurtz, Chelsea K. McDermott, Jenny Y. Tao, Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Jay M. Bozicevich
  • Patent number: 11006308
    Abstract: This disclosure provides methods, systems, services, and applications for collecting data from mobile devices connected to a mobile network. Aspects include campaign-based methods and systems as well as event-based methods and systems. Data includes mobile network data such as signal strength, call quality, network type, etc. and mobile device data such as mobile device type, charge level of the battery, etc. The disclosure also provides analytics for mobile network operators including mapping of location information and data points. Also described herein are methods and systems for verifying a credit card user's mobile device location.
    Type: Grant
    Filed: December 16, 2019
    Date of Patent: May 11, 2021
    Assignee: OnePIN, Inc.
    Inventors: Feyzi Celik, Marcin Nowak
  • Patent number: 10990947
    Abstract: A POS device receives a first authorization value from an input device, and receives from a mobile device, via a LAN interface, a user identifier and a data structure that includes an adjustment value and a structure identifier. The POS device transmits the data structure and the user identifier to a validation server, via a WAN interface. The POS device receives from the validation server, via the WAN interface, confirmation that the validation server had previously saved the structure identifier of the data structure in a database in association with the user identifier. The POS device recovers the adjustment value from the data structure, generates a second authorization value from a difference between the first authorization value and the adjustment value, and transmits an authorization request message over a payment network via the WAN interface. The authorization request message includes the second authorization value.
    Type: Grant
    Filed: September 16, 2019
    Date of Patent: April 27, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Buturab Rizvi, Alexandra Tsourkis, Ki Nam Choi
  • Patent number: 10949824
    Abstract: Association information received from a number of mobile devices is recorded at a server end, where each mobile device is associated with a user that is pre-registered with the server end. An identification request is received at the server end and from a cashier device, where the identification request includes identity information associated with a particular user. One or more payment candidates corresponding to the cashier device are determined by the server end. A particular user account corresponding to the particular user is determined by the server end by comparing the identity information from the identification request with identity information associated with each of the payment candidates. The particular user account is returned by the server end to the cashier device for making a payment.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: March 16, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Li Chen, Hong Zhang, Le Zhou
  • Patent number: 10937028
    Abstract: A store system includes an authentication device configured to obtain personal information from a part of a body of a user, transmit the personal information to a first server, and receive authentication of the personal information from the first server; a gate control apparatus configured to open a gate so that the user may enter or exit a store, when the authentication device receives the authentication; and a checkout device configured to obtain personal information from a part of a body of the user, transmit the personal information to a second server, and pay a product price when receiving authentication of the personal information from the second server.
    Type: Grant
    Filed: September 29, 2017
    Date of Patent: March 2, 2021
    Assignee: KOREA SEVEN CO., LTD.
    Inventors: Seong In Jung, Young Hyouk Kim, Su Nyun Kim
  • Patent number: 10910016
    Abstract: A method is provided for identifying and displaying video data of a user, either alone or together (in synchronization) with other data, such as biometric data acquired during a time that the video data was captured/received. The method includes storing biometric data separately from the video data, allowing the biometric data to be search quickly to identify at least one value (e.g., a value corresponding to at least one biometric event). At least one biometric time-stamp (e.g., a time, a sample rate, a position within a plurality of values, etc.) linked to the identified value can then be used to identify a corresponding video time-frame, which can then be used to play the video data, either alone or together with biometric data, starting at a particular time (e.g., at a time that the event occurred, shortly before the event occurred, etc.).
    Type: Grant
    Filed: December 5, 2019
    Date of Patent: February 2, 2021
    Inventors: Richard A Rothschild, Dan Macklin, Robin S Slomkowski, Taska Harnischfeger
  • Patent number: 10839181
    Abstract: Systems and methods for synchronizing a barcode decode with a video camera to improve accuracy of retail POS loss prevention are disclosed herein. An example system includes a video camera configured to capture a set of frames associated with a target object, the set of frames having a first number of frames; a symbology reader configured to: (i) decode a symbology attached to the target object and (ii) generate a signal based on the successful decoding of the symbology attached to the target object; and a processor configured to analyze a sub-set of the set of frames based on the signal, the sub-set of the set of frames having a second number of frames that is smaller than the first number of frames.
    Type: Grant
    Filed: January 7, 2020
    Date of Patent: November 17, 2020
    Assignee: Zebra Technologies Corporation
    Inventors: Christopher J. Fjellstad, Abhilash Gururaja, Sajan Wilfred, Vincent J. Daempfle
  • Patent number: 10783523
    Abstract: A system and method are described for n alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time-use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned it may processed similar to a credit/debit/prepaid card payment.
    Type: Grant
    Filed: February 27, 2019
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Sanjay Dattatreya Sankolli, Igor Karpenko
  • Patent number: 10769710
    Abstract: Disclosed are a system of providing product information using a copy/paste function of an electronic commerce shopping cart, a method thereof and a non-transitory computer readable storage medium having a computer program recorded thereon. The method can be used as an effective intercommunication means by mutual exchange of shopping lists with acquaintances or friends rather than solo shopping. Further, user convenience in purchasing products and the probability of purchasing products can be enhanced by the method.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: September 8, 2020
    Assignee: Eleven Street Co., Ltd.
    Inventor: Jungil Yang
  • Patent number: 10769610
    Abstract: Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.
    Type: Grant
    Filed: August 31, 2017
    Date of Patent: September 8, 2020
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 10764044
    Abstract: A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A personal digital key (PDK) is programmed using a trusted programming device to initialize and/or register the PDK for use. In one embodiment, the initialization and registration processes are administered by a specialized trusted Notary to ensure the processes follow defined security procedures. In a biometric initialization, the programming device acquires a biometric input from a user and writes the biometric data to a tamperproof memory in the PDK. In registration, the Programmer communicates to one or more remote registries to create or update entries associated with the user PDK. Once initialized and registered, the PDK can be used for various levels of secure authentication processes.
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: September 1, 2020
    Assignee: Proxense, LLC
    Inventors: John J Giobbi, David L Brown, Fred S Hirt
  • Patent number: 10755270
    Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.
    Type: Grant
    Filed: August 11, 2017
    Date of Patent: August 25, 2020
    Assignee: Apple Inc.
    Inventors: Benjamin D. Chester, Glen W. Steele, Jeff W. Lin, Vineet Chadha
  • Patent number: 10733604
    Abstract: A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.
    Type: Grant
    Filed: August 2, 2018
    Date of Patent: August 4, 2020
    Assignee: Visa U.S.A. Inc.
    Inventor: Barbara Patterson
  • Patent number: 10726417
    Abstract: The invention provides an authentication system and method. In particular, the invention provides a method for performing a financial authentication utilizing a token associated with a user, the method comprising the token generating a set of display characters that are viewable by the user, the token generating the display characters using logic; the user transforming a portion of the set of display characters using a transformation process, based on knowledge of the user, so as to form a display character sequence; the user outputting the display character sequence to an authentication entity; and the authentication entity authenticating the display character sequence using the logic and knowledge of the transformation.
    Type: Grant
    Filed: September 18, 2012
    Date of Patent: July 28, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventor: Glenn Cobourn Everhart
  • Patent number: 10657523
    Abstract: An apparatus, system and method for establishing a transaction between first and second parties including a first signing step in which a transaction message including a request and a transaction identifier is cryptographically signed by the first party to form a first cryptographically signed message. The first signed message is transmitted from the first party to the second party. The second party then cryptographically signs the first message to form a second cryptographically signed message. The second message is also transmitted from one or more of a plurality of parties having the second message to a trusted third party. The trusted third party is able to verify that the second message was cryptographically signed by the second party and can also verify that the first message in the second message was cryptographically signed by the first party.
    Type: Grant
    Filed: August 16, 2013
    Date of Patent: May 19, 2020
    Assignee: ARM IP Limited
    Inventors: Hugo John Martin Vincent, Krisztian Flautner, Amyas Edward Wykes Phillips
  • Patent number: 10643215
    Abstract: Various embodiments herein each include at least one of systems, methods, and software for in situ and network-based transaction classification. Such embodiments use advanced data analytics and machine learning techniques of consumer's transaction attributes to reduce shrink at checkout. One embodiment, in the form of a method, includes processing a dataset of transactions to identify normal transaction patterns and processing a dataset of transactions that included known fraud to identify variation patterns between the identified normal transaction patterns and the data of each transaction. The method further includes generating at least one pattern model based on the identified normal transaction patterns and the identified variation patterns. In such embodiments, each pattern model typically includes classification values for determining a likelihood of fraud in transactions.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: May 5, 2020
    Assignee: NCR Corporation
    Inventor: Charles Robert Cash
  • Patent number: 10635803
    Abstract: A method that includes displaying a masking image layer on a terminal screen when receiving a start instruction used to start an application; receiving an unlocking instruction input based on the masking layer; if the unlocking instruction matches a preset instruction, starting the application. The present disclosure solves the technical problem in the conventional techniques of relatively low terminal unlock method security.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: April 28, 2020
    Assignee: Alibaba Group Holding Limited
    Inventors: Hang Dong, Zhen Yuan, Ling Wang, Zhuolin Liu
  • Patent number: 10574443
    Abstract: A computing device can obtain a session key for encrypting data that is communicated between a client device and the computing device. The computing device can receive, from the client device, an encrypted request for data. The encrypted request can be encrypted by the client device using the session key. The data requested can be stored on a second computing device. The computing device can send, to the second computing device, a copy of the session key and the encrypted request for data. The second computing device can decrypt the data using the session key and can also encrypt data responsive to the request using the session key.
    Type: Grant
    Filed: February 16, 2016
    Date of Patent: February 25, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Alexander Julian Tribble, Robert Michael Barry, Jeremy Boynes, Melissa Elaine Davis, Igor Spac
  • Patent number: 10572947
    Abstract: Computer executable instructions may be used to configure a special purpose computing device to perform a method for determining whether an unbound property insurance lead may be associated with a property for which a property inspection is not required. The computer executable instructions, when executed by a processor may cause the special purpose computing device to access a data repository storing a plurality of unbound property insurance leads, process each of the plurality of unbound property insurance leads using an adaptable inspection model to determine an insurability risk score for each of the unbound property insurance leads, compare each insurability risk score to a constraint, and communicate an indication of whether a property inspection is necessary for each of the plurality of unbound property insurance leads.
    Type: Grant
    Filed: December 2, 2015
    Date of Patent: February 25, 2020
    Assignee: Allstate Insurance Company
    Inventors: James M. Berends, David MacInnis, Cassie E. Collins, Teresa J. Dalenta
  • Patent number: 10572866
    Abstract: A financial transaction system includes a governing host having a database for registering parties wishing to perform a financial transaction and processing the financial transaction. A discrete point-of-sale (POS) terminal interfaces with one party wishing to initiate a financial transaction with another party. The discrete POS terminal has a local transaction process providing for initial validating and enforcing of business rules governing the transaction with the one party and generating a transaction key confirming that the transaction is authorised on validating the transaction with the governing host. A facilitator device reads the transaction key on being supplied with same by the one party and communicates with the governing host to complete the transaction using the facilitator POS terminal.
    Type: Grant
    Filed: November 30, 2017
    Date of Patent: February 25, 2020
    Assignee: Cullinan Consulting Group Pty Ltd.
    Inventors: Philip Leslie Course, Frank Ajzensztat, Wens Peter Brinkman
  • Patent number: 10567368
    Abstract: To install a monitor apparatus module, a monitor apparatus transmits a registration request including a client ID and an initial authentication key included in an installer to a management apparatus. When an authentication key related to the client ID included in the registration request is yet to be issued, the management apparatus issues an authentication key and provides the same to the monitor apparatus. Meanwhile, when the authentication key is already issued, the monitor apparatus displays a screen for input of a ticket issued by the management apparatus and resends the initial registration request with the input ticket to the management apparatus. When the ticket included in the registration request is valid, the management apparatus issues the authentication key and provides the same to the monitor apparatus.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: February 18, 2020
    Assignee: CANON KABUSHIKI KAISHA
    Inventor: Yuka Sakurai
  • Patent number: 10548007
    Abstract: Methods and apparatuses are disclosed for determining based on predetermined criteria a combination of one or more user devices to be used for a security operation from a set of associated user devices. The user devices are configured to wirelessly communicate security information. In response to the determination security information is communicated by the determined combination of one or more user devices.
    Type: Grant
    Filed: November 15, 2013
    Date of Patent: January 28, 2020
    Assignee: HERE Global B.V.
    Inventor: Marko Tapio Tuukkanen
  • Patent number: 10522188
    Abstract: A method is provided for identifying and displaying video data of a user, either alone or together (in synchronization) with other data, such as biometric data acquired during a time that the video data was captured/received. The method includes storing biometric data separately from the video data, allowing the biometric data to be search quickly to identify at least one value (e.g., a value corresponding to at least one biometric event). At least one biometric time-stamp (e.g., a time, a sample rate, a position within a plurality of values, etc.) linked to the identified value can then be used to identify a corresponding video time-frame, which can then be used to play the video data, either alone or together with biometric data, starting at a particular time (e.g., at a time that the event occurred, shortly before the event occurred, etc.).
    Type: Grant
    Filed: February 11, 2019
    Date of Patent: December 31, 2019
    Inventors: Richard A Rothschild, Dan Macklin, Robin S Slomkowski, Taska Harnischfeger
  • Patent number: 10523676
    Abstract: A system and method for detecting unauthorized access to a cloud application hosted in a cloud-computing platform are presented. The method comprising: identifying, by a managed proxy device, a first access attempt to a cloud application at a first time and from a first location; identifying, by a managed proxy device, a second access attempt to the cloud application at a second time and from a second location; computing a velocity between the first access attempt and the second access attempt based on the first time, the second time, the first location, and the second location; checking if the computed velocity is greater than a velocity threshold; and generating a velocity event when the computed velocity is greater than the velocity threshold, wherein the velocity event indicates that an access attempt is unauthorized.
    Type: Grant
    Filed: July 12, 2018
    Date of Patent: December 31, 2019
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC.
    Inventors: Yonatan Most, Yinon Costica
  • Patent number: 10467398
    Abstract: The technology described in this document can be embodied in a method that includes receiving, at one or more servers from a first computing device, (i) first identification information identifying the first computing device or an application executing on the first computing device, and (ii) second identification information identifying a second computing device, wherein the second identification information is provided to the first computing device as a mechanical signal transmitted through a human body. The method also includes determining, by the server based on the first information, identity information of a user associated with the first computing device, and transmitting, from the one or more servers to the second computing device, the identity information, such that the identity information is usable by the second computing device to verify an access attempt by the user.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: November 5, 2019
    Assignee: Alibaba Group Holding Limited
    Inventors: Reza R. Derakhshani, Spencer On
  • Patent number: 10453129
    Abstract: A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.
    Type: Grant
    Filed: February 26, 2016
    Date of Patent: October 22, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Thomas G. Hochstatter, John Leonard, Christopher W. McKinzie
  • Patent number: 10447704
    Abstract: Techniques for ensuring verification before transmission of electronic messages are disclosed herein. In some embodiments, a computer-implemented method comprises: transmitting a confirmation request message to an e-mail address stored in a database of an online service in association with a digital representation of a first user of the online service; subsequent to transmitting the confirmation request message, causing a selectable option to send a user-to-user message to a second user via the online service to be displayed on the computing device of the first user; receiving, from the computing device of the first user, a selection of the option to send the user-to-user message to the second user; determining that the confirmation of the e-mail address has not been received; and preventing a transmission of the user-to-user message to the second user based on the determining that the confirmation of the e-mail address has not been received.
    Type: Grant
    Filed: October 25, 2017
    Date of Patent: October 15, 2019
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Ajay Datta, Shrinivas Rameshrao Devshatwar, Neena Teresa Jose, Gaurav Gupta
  • Patent number: 10446158
    Abstract: Embodiments disclosed herein generally relate to a system and method for transacting at an ATM. A computing system receives a request from the ATM to provide audio commands for an input having one or more components. The computing system generates an audio message for a component of the one or more components. The computing system receives an indication from the user to select an entry from the set of candidate entries as the component. The indication from the user does not include a recitation of the first entry. The computing system maps the indication to a respective candidate in the set of candidate entries. The computing system generates a verification audio message for the user to audibly verify a correct mapping between the indication and the respective candidate in the set of candidate entries. The computing system receives an audible verification from the user.
    Type: Grant
    Filed: June 7, 2018
    Date of Patent: October 15, 2019
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba
  • Patent number: 10432636
    Abstract: Methods, systems and computer readable media for securing mDNS in enterprise networks are described. In some implementations, the method can include authorizing one or more service advertisements and validating one or more service advertisements. The method can also include adding one or more information details to a record associated with an advertised service.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: October 1, 2019
    Assignee: Extreme Networks, Inc.
    Inventors: Shashi Hosakere Ankaiah, Vivek L Atreya, Seemant Choudhary, Uday Shankar
  • Patent number: 10419205
    Abstract: Servers in datacenters, mobile devices and virtualized servers without human interaction may experience difficulties in establishing entropy in a virtualized computing environment. Entropy is an important foundation for cryptography and a lack of entropy has led to weaknesses that can be used to break cryptographic systems in the past.
    Type: Grant
    Filed: August 24, 2017
    Date of Patent: September 17, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Andrew Jeffrey Doane, Todd Lawrence Cignetti
  • Patent number: 10402824
    Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction.
    Type: Grant
    Filed: January 29, 2013
    Date of Patent: September 3, 2019
    Assignee: The Western Union Company
    Inventors: Michael J. Michelsen, Paul Blair, Dean Seifert, Joseph Cachey