Having Programming Of A Portable Memory Device (e.g., Ic Card, "electronic Purse") Patents (Class 705/41)
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Patent number: 12387232Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: GrantFiled: January 30, 2024Date of Patent: August 12, 2025Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
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Patent number: 12380449Abstract: Some embodiments may provide systems, methods and computer program code to method to facilitate an interaction involving a user which include determining that a user authentication is required to complete the interaction, identifying at least a first verified device associated with the user, and transmitting an authentication message to the at least first verified device.Type: GrantFiled: May 14, 2024Date of Patent: August 5, 2025Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Mohamed Abouelenin
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Patent number: 12367492Abstract: A token issuance system receives a first purchase request for at least one of a good or a service from a merchant at a merchant location. The system generates a payment token based on the purchase request such that the payment token is associated with a proximity condition. The system then determines that a location of a user device that is associated with the purchase request satisfies the proximity condition. In response to the determining that the location of the user device that is associated with the purchase request satisfies the proximity condition, the system provides the payment token to the merchant.Type: GrantFiled: May 19, 2021Date of Patent: July 22, 2025Assignee: PAYPAL, INC.Inventor: Pankaj Sarin
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Patent number: 12348643Abstract: Systems, methods, and non-transitory media are provided for extended reality (XR) control of smart devices. An example method can include generating, by a first computing device, a cryptographic key; outputting, by the first computing device, a pattern that encodes the cryptographic key, the pattern including a visual pattern, an audio pattern, and/or a light pattern; receiving, by the first computing device from a second computing device, a signed message including a command to modify an operation of the first computing device; determining, by the first computing device, whether the signed message is signed with the cryptographic key encoded in the pattern; and based on a determination that the signed message is signed with the cryptographic key encoded in the pattern, modifying the operation of the first computing device according to the command in the signed message.Type: GrantFiled: September 1, 2021Date of Patent: July 1, 2025Assignee: QUALCOMM IncorporatedInventors: Wesley James Holland, Brian Vogelsang, Robert Tartz, Martin Renschler
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Patent number: 12346887Abstract: Systems, methods, and computer program products are provided herein for hyperspectral imaging based electronic authentication resource transfers. An example method includes receiving a resource transfer request associated with at least a first user and receiving hyperspectral image data associated with the first user. The method further includes extracting, via a hyperspectral imaging module, one or more account credentials of the first user from the hyperspectral image data. The method also includes effectuating the resource transfer associated with an account of the first user as defined by the one or more account credentials. The hyperspectral image data may be generated in response to an image capturing operation performed by the hyperspectral imaging module and may be indicative of a hyperspectral image supported by a resource transfer object.Type: GrantFiled: October 12, 2022Date of Patent: July 1, 2025Assignee: BANK OF AMERICA CORPORATIONInventors: Elvis Nyamwange, Brian Neal Jacobson, Vismay Mandloi, Donna Lee Phillips, Madhukiran Bangalore Ramachandra
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Patent number: 12340374Abstract: The present disclosures presents system and methods for blockchain based payment networks. One such method comprises preparing, by a payment network, a request to complete a transaction from an digital currency account associated with a payer digital wallet for entry on a blockchain ledger, wherein the request to complete the transaction includes an amount and a payee address associated with a flat currency account; sending the request to complete the transaction to the blockchain ledger; approving the request to complete the transaction; and adjusting a balance of the payer digital wallet and a balance of the fiat currency account in response to approval of the request to complete the transaction by writing the transaction comprising the amount and the payee address to the blockchain ledger, wherein a value of the digital currency substantially matches a value of the fiat currency.Type: GrantFiled: April 26, 2023Date of Patent: June 24, 2025Assignee: American Express Travel Related Services Company, Inc.Inventors: Sastry Durvasula, Andras Ferenczi, Upendra Mardikar, Keshav Narsipur, Vishnuvajhala Subrahmanyam, Sathish B. Muthukrishnan
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Patent number: 12340361Abstract: In certain embodiments, a personal network of devices including one or more wearable devices and one or more other devices may facilitate secure payment. In some embodiments, a first device of the personal network may be configured to store a plurality of virtual slots, where each of the plurality of virtual slots stores a virtual token associated with a financial account. A second device of the personal network may be configured to transmit, to a merchant device, user authentication data and a first virtual token stored in a first virtual slot to cause the merchant device to obtain information related to a financial account associated with the first virtual token to facilitate a payment transaction. Each of the first, the second device, and at least one other device of the personal network may include a short-range transceiver configured to relay information to one another as part of the personal network.Type: GrantFiled: March 6, 2023Date of Patent: June 24, 2025Assignee: Capital One Services, LLCInventor: David Kelly Wurmfeld
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Patent number: 12340350Abstract: A method for distributing an interactive digital event program to a plurality of user devices comprising: receiving a request for an interactive digital event program from a first user device, the request received in response to scanning a first tag having a machine-readable code with the first user device; determining that the first tag belongs to a first group of tags to which a first version of the interactive digital event program is to be distributed; providing the first user device with the first version of the interactive digital event program, the first version of the interactive digital event program to include at least one dynamic content element that is capable of being updated while an event is in progress; and updating the at least one dynamic content element in the first version of the interactive digital event program in response to a predefined trigger.Type: GrantFiled: October 5, 2023Date of Patent: June 24, 2025Assignee: Digital Seat Media, Inc.Inventors: Cameron Fowler, Matthew Sullivan
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Patent number: 12340134Abstract: A server may receive, from a terminal device, user identification information and a service request for requesting that provision of the service be started and receive, from a printer, cartridge information indicating a type of a cartridge currently attached in the printer. The server may, in a case where the user identification information and the service request are received from the terminal device and the cartridge information indicates a first type of cartridge supplied with the printer at time of sale of the printer, grant a first benefit to a user identified by the user identification information. In a case where the user identification information and the service request are received from the terminal device and the cartridge information indicates a second type of cartridge that was not supplied with the printer at the time of sale of the printer, the first benefit may not be granted.Type: GrantFiled: November 16, 2022Date of Patent: June 24, 2025Assignee: Brother Kogyo Kabushiki KaishaInventor: Sho Noguchi
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Patent number: 12333539Abstract: In some implementations, a device may receive, from a terminal, an indication of a first card credential associated with a card that was provided to the terminal to initiate a first interaction, where the card is associated with the multiple card credentials, including the first card credential. The device may determine that the first card credential is valid based on at least one of: the first card credential having not been previously used for another interaction associated with the card, or a first amount of time, from a first time indicated by a first timestamp associated with the first card credential to a reception time of the first card credential, satisfying a validity threshold. The device may transmit, to the terminal, an indication that the card is approved for the first interaction based on the first card credential being determined to be valid.Type: GrantFiled: April 21, 2022Date of Patent: June 17, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Alice Hong, Michael Mossoba
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Patent number: 12328346Abstract: Described are methods and systems for registering consumers with merchant loyalty or other merchant programs by using a credit card or other form of payment to register the consumer, and thereafter automatically recognizing the consumer as a member in the program based on subsequent purchases made using the form of payment. This disclosure is also directed to an apparatus and related methods for modifying a temporal signal association in a complex computing network such that a future computing operation is executed based on the modified signal association.Type: GrantFiled: April 2, 2024Date of Patent: June 10, 2025Inventor: Jeffrey W. Mankoff
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Patent number: 12327144Abstract: Techniques described herein relate to a method for managing a distributed multi-tiered computing (DMC) environment. The method includes obtaining, by an endpoint controller associated with a device, an initial resource buffer from a local controller; in response to obtaining the initial resource buffer: maintaining the initial resource buffer during task provision for the device; obtaining device metrics based on performance of tasks on the device; making a determination that a resource buffer change event is identified; and in response to the determination: updating the initial resource buffer based on the resource buffer change event.Type: GrantFiled: April 15, 2022Date of Patent: June 10, 2025Assignee: Dell Products L.P.Inventors: William Jeffery White, Said Tabet
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Patent number: 12321986Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.Type: GrantFiled: May 16, 2023Date of Patent: June 3, 2025Assignee: Bank of America CorporationInventors: Gilbert M. Gatchalian, Jesse S. Newsom, III, Kevin Tran, Yogi Ahuja, Kevin A. Delson
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Patent number: 12316663Abstract: An access control server may receive state information of an autonomous program protocol that is recorded on a blockchain. The access control server may generate a trace log associated with one or more transactions executed by the autonomous program protocol, the trace log comprising machine events executed by the blockchain, the machine actions associated with the one or more transactions. The access control server may extract a set of features from the trace log, wherein a feature in the set comprises a summary of a machine event executed by the blockchain. The access control server may input the set of features to a machine learning model to determine a threat nature associated with the transactions of the autonomous program protocol. The access control server may perform a responsive action to address the threat nature.Type: GrantFiled: June 27, 2024Date of Patent: May 27, 2025Assignee: CUBE Security Inc.Inventor: Attila Marosi-Bauer
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Patent number: 12282967Abstract: A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device.Type: GrantFiled: March 1, 2023Date of Patent: April 22, 2025Assignee: QUANATA, LLCInventor: Kenneth Jason Sanchez
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Patent number: 12277541Abstract: Systems and methods are provided for extending installment options to users. One example computer-implemented method includes, as part of an authentication challenge to a user for a transaction, requesting, by a communication device of the user, installment options from an installment service provider (ISP) based on an identifier specific to a first party involved in the transaction. In response, the ISP retrieves the requested installment options and provides them to the communication device. The method also includes displaying, by the communication device, the installment options to the user, soliciting a selection of one of the installment options, and, in response to the selection, identifying the selected one of the installment options to the ISP, whereby the ISP records the selected installment option as payment for the transaction.Type: GrantFiled: July 14, 2022Date of Patent: April 15, 2025Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.Inventors: Abhinava Srivastava, Timothy Fletcher
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Patent number: 12271896Abstract: Disclosed are a CPK-based digital bank, a digital currency and a payment method. The digital currency is a core component of the digital bank. The digital currency is realized by means of a CPK digital signature, and a payer provides an account authenticity certification, an amount authenticity certification and a fund allocation authenticity certification, thereby effectively preventing crimes inside or outside a bank. The digital currency directly takes an account identifier as an account number. The digital currency can be used in on-line operations, as well as off-line operations, thereby satisfying face-to-face trade requirements between a great number of retail accounts. The CPK digital bank is realized by means of a CPK chip without support of other devices, such that everyone can check the authenticity of the digital currency.Type: GrantFiled: January 4, 2022Date of Patent: April 8, 2025Assignee: JS Bochtec Co., LTD.Inventor: Xianghao Nan
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Patent number: 12260390Abstract: A device includes one or more NFC chips that are preprogrammed to provide a payee's identification and information for launching any of several P2P cashless payment applications to which the payee is subscribed, to a mobile phone of a payor. When a mobile device of a payor is brought to the vicinity of an NFC chip of the device, the mobile device launches a corresponding P2P cashless payment application. The P2P cashless payment application shows the payee's information and the payor may proceed to make a payment to the payee. The device may include an NFC chip that is preprogrammed to provide the payee's identification and the information for launching a single application on the mobile device of the payor to display the P2P cashless payment applications to which the payee is subscribed. The payor may then proceed to make a payment to the payee using the payor's mobile device.Type: GrantFiled: November 20, 2022Date of Patent: March 25, 2025Assignee: Slip Cash Holdings, LLCInventor: Sergio Nicolas Ducoulombier
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Patent number: 12260379Abstract: A system and method are provided for transferring money from a sender to a receiver. According to the method, non-private identifying information is received. The non-private identifying information is used to determine the identity of the receiver, and an indication is received of an amount of money to be transferred from the sender to the receiver. An account of the sender is debited and an account of the receiver is credited based on the amount of money to be transferred.Type: GrantFiled: October 31, 2022Date of Patent: March 25, 2025Inventors: Antony J. H. Diamond, Eric Alan Wilson
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Patent number: 12243037Abstract: Logic to register a personal point of sale (POS) device. Logic may communicate with the registration processor to establish a secure communication channel. Logic may access a basic input output system to obtain platform information. Logic may transmit the platform information to the registration processor to identify a certification associated with the device. Logic may communicate with a payment instrument via a card reader. Logic may transmit an encrypted message from the card reader to the registration processor to bind the payment instrument to the device. Logic may receive a communication from the device comprising platform information. Logic may perform a security protocol to establish a secure communication channel with the device. Logic may determine an existence of the certification for the device in the database based upon the platform information. And logic may register the platform in response to locating the certification of the platform.Type: GrantFiled: March 17, 2022Date of Patent: March 4, 2025Assignee: Intel CorporationInventors: Farid Adrangi, Sanjay Bakshi, Amit S. Bodas
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Patent number: 12236493Abstract: Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.Type: GrantFiled: August 7, 2023Date of Patent: February 25, 2025Assignee: Xero LimitedInventors: Rodney Kenneth Drury, Matthew John Vickers
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Patent number: 12229750Abstract: A system may receive a first timestamp associated with first click data at a first website associated with a first merchant, a first referring URL, and a first checkout URL, responsive to the user device navigating to the first checkout URL via the first referring URL, determine whether the first referring URL and the first checkout URL have first domains that respectively match previous domains of a previous referring URL and a previous checkout URL beyond a predetermined matching threshold, and based on the first referring URL and the first checkout URL having the first domains that respectively match the previous domains of the previous referring URL and the previous checkout URL beyond the predetermined matching threshold, cause the web browser plugin of the user device to display, in a dynamic GUI, a first virtual card number associated with the previous domains to complete a first transaction.Type: GrantFiled: November 4, 2021Date of Patent: February 18, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Amanda Sneider, Allison Fenichel, Varun Gupta
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Patent number: 12229751Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.Type: GrantFiled: February 7, 2024Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Kevan Emmott
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Patent number: 12217232Abstract: The present disclosure concerns methods and systems for increasing anonymity and traceability of a digital property management system that manages digital property transactions on a distributed transaction consensus network. The digital property management system comprises a sender's digital property manager and a recipient's digital property manager. The sender's digital property manager further comprises a sender's module and a sender's transaction node and the recipient's digital property manager further comprises a recipient' module and a recipient's transaction node. To increase anonymity of a remittance transaction between, sender's module is not allowed to access a recipient's virtual identification. Thus, recipient's module generates a token to temporarily replace a recipient's virtual identification. To increase anonymity, an encrypted label is generated for each sub-transaction to identify sub-transactions and their sequence in the same remittance set.Type: GrantFiled: January 22, 2018Date of Patent: February 4, 2025Inventors: William Wu, Brian Chan, Chiahsin Li, See Neng Foo, Ling Wu, Huan-Yi Lin
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Patent number: 12211030Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.Type: GrantFiled: November 8, 2023Date of Patent: January 28, 2025Assignee: Capital One Services, LLCInventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Adam Vukich
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Patent number: 12205104Abstract: Aspects provided may allow for an entity to deactivate a virtual card number (VCN). In particular, aspects provide for deactivating VCNs based on a frequency or periodicity of an interaction. After deactivation, the entity may block future charges to the VCN. Further aspects provide for using incoming charge data sent to one or more previous users to train a machine learning model to determine the frequency or periodicity of the interaction. Additional aspects may also provide for including trial length when determining the deactivation date, providing VCN configuration options to a user, and notifying the user based on upcoming and current VCN status changes.Type: GrantFiled: November 1, 2022Date of Patent: January 21, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Tyler Maiman
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Patent number: 12192317Abstract: Systems and/or methods of the present disclosure enable ledger interoperability using a controller to perform an operation between a first user and a second user on separate entity-specific distributed ledgers, where the separate entity-specific distributed ledgers are both operatively linked to a membered common distributed ledger. The controller burns a first quantity of first entity-specific tokens from the first entity-specific distributed ledger and mints a second quantity of the common tokens on the membered common distributed ledger, where the first quantity of first entity-specific tokens and the second quantity of the common tokens represent an equivalency. The controller moves the second quantity of common tokens from a first encrypted storage to a second encrypted storage of the membered common distributed ledger, burns the second quantity of the common tokens and mints a third quantity of the second entity-specific tokens on the second entity-specific distributed ledger to complete the operation.Type: GrantFiled: March 13, 2023Date of Patent: January 7, 2025Assignee: Tassat Group Inc.Inventors: Kevin Lupowitz, Eric Couillard, Sanjaya Kulkarni, Brian Bruce, Sanjay Deshpande, Omari Edwards, Joe Grastara, Al Gleicher
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Patent number: 12190187Abstract: Magnetic stripe cards including a skimmer detection mechanism detect unauthorized access to data and information stored on a magnetic strip of a magnetic stripe card by illicit card skimming devices. In one embodiment, a method of detecting an unauthorized scan of confidential data encoded on a magnetic strip portion of a magnetic stripe card having a skimmer detection mechanism includes detecting a scan of the magnetic strip portion, measuring a parameter associated with the scan of the magnetic strip portion by the skimmer detection mechanism, and comparing the measured parameter to a baseline value associated with the parameter. Upon determining that the parameter exceeds the baseline value, an unauthorized scan of confidential data encoded on the magnetic strip portion of the magnetic stripe card is detected.Type: GrantFiled: April 28, 2022Date of Patent: January 7, 2025Assignee: United Services Automobile Association (USAA)Inventors: Dustin Bowen Bitter, Nina Cooper, Andre Rene Buentello, Jose L. Romero, Jr., Gregory David Hansen
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Patent number: 12190185Abstract: A new generation “smart card” creates a severable invisible “bond” between the cardholder and the smart card itself where this trusted bond relationship is used to enhance and simplify the authentication process during the use. This new smart card is initiated and connected to a specific user using biometric information added to the card and the user using biometric information connects via a trusted bond with the card by pairing the biometric information which can be severed in one of multiple ways. The trusted bond with the smart card can be broken in one of multiple ways including disconnection from a network, distancing from the user, impact accelerometers, outside parameters, etc. The multi-function smart card also uses this established trusted bond with the user to simplify the authentication of the user for use of the card in encrypted computer network, ground security, or other retail and payment function.Type: GrantFiled: September 27, 2023Date of Patent: January 7, 2025Assignee: SentryCard Technologies, Inc.Inventors: Mark Bennett, John P. Calzaretta
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Patent number: 12186533Abstract: A device may receive an indication that an ATM transaction is to be conducted, display prompt(s) for a user to input user authentication credential information and to select an ATM transaction type, detect user input(s) that include a user authentication credential and a selection of a particular ATM transaction type, and receive, from an ATM device, a request to establish a communication session. The ATM device may include a sync button to initiate communicative coupling of the ATM device and the user device. The request may be based on a user selection of the sync button. The device may communicatively couple to the ATM device, and provide, to the ATM device, the user authentication credential and data regarding the particular ATM transaction type to cause the ATM device to perform the ATM transaction. The device may display information regarding the ATM transaction.Type: GrantFiled: August 25, 2023Date of Patent: January 7, 2025Assignee: Capital One Services, LLCInventors: Michael Mossoba, Abdelkadar M'Hamed Benkreira, Joshua Edwards
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Patent number: 12182652Abstract: An electronic device such as a wearable electronic device may have a coil. The device may have a finger-ring housing that surrounds a finger-shaped opening to allow the device to be worn on a finger of a user. The coil may be formed from metal traces on a printed circuit that wrap around the finger-shaped opening. Near-field communications circuitry in the device may be used to gather near-field communications tag information. The tag information may be gathered in response to user input. Wireless communications circuitry that uses a non-near-field communications antenna may wirelessly transmit the tag information and/or other information such as user input to a companion device.Type: GrantFiled: November 2, 2023Date of Patent: December 31, 2024Assignee: Apple Inc.Inventors: Michael J Ershov, Joel N Ruscher, Stefan Hafeneger, Travis J McQueen
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Patent number: 12184756Abstract: A method is disclosed. The method includes a user device storing a message data template comprising a plurality of data fields. A multi-record message may be generated using the message data template in response to an interaction between the user device and an access device. To generate the multi-record message, the user device may increment a counter stored on the user device to produce a counter value, and generate a dynamic cryptogram. The user device may additionally retrieve a credential. The counter value, the dynamic cryptogram, and the credential may then be incorporated into the plurality of data fields of the message data template to form the multi-record message. The multi-record message may be transmitted to the access device, where the access device forwards the multi-record message to an authorization computer to authorize or deny the interaction.Type: GrantFiled: August 10, 2023Date of Patent: December 31, 2024Assignee: Visa International Service AssociationInventor: Yuexi Chen
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Patent number: 12182830Abstract: A method for supporting payment is provided. The method includes the steps of: acquiring information on at least one payment means associated with a user and payment information of the at least one payment means; and determining a payment means to recommend to the user at the time of payment by referring to the result of learning performed using learning data including feature information extracted from the information on the at least one payment means and the payment information of the at least one payment means to maximize cumulative benefits according to the user's payment pattern.Type: GrantFiled: September 9, 2021Date of Patent: December 31, 2024Assignee: BANK X INC.Inventor: Seung Hon Kim
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Patent number: 12182800Abstract: An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next pType: GrantFiled: June 23, 2022Date of Patent: December 31, 2024Assignee: The Toronto-Dominion BankInventors: Miguel Navarro, Levi Sutter
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Patent number: 12182807Abstract: A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.Type: GrantFiled: March 14, 2022Date of Patent: December 31, 2024Assignee: PayPal, Inc.Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
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Patent number: 12175305Abstract: A mobile computer application may (1) access a financial institution mobile application to determine if there is an account that is eligible for provisioning to the mobile computer application; (2) initiate a secure session with the financial institution backend in response to a determination that there is an account eligible for provisioning to the mobile computer application; (3) request an identification of an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (4) receive a pointer to an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (5) display an icon for the eligible account; (6) receive a selection of the icon; (7) return the pointer to the financial institution backend; (8) receive a provisioning payload for the eligible account from the financial institution backend; and (9) initiate in-application provisioning of the eligible account.Type: GrantFiled: October 15, 2020Date of Patent: December 24, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Howard Spector, David Christopher Carey, Indeevara H. De Silva, Sridhar Aravamudhan
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Patent number: 12154197Abstract: Examples are disclosed herein that relate to detecting product requirements within a digitized document. One example provides a method comprising: identifying a first page as a summary page, the first page comprising a keyword that refers to a second page; and detecting in the first page a first instance of a pattern comprising a first text block adjacent to a first line. A first part name and a first requirement for a first part are extracted from the first text block. In the first page, a second instance of the pattern is detected comprising a second text block adjacent to a second line. The keyword and a second part name are extracted from the second text block. The second part name and a second requirement for a second part are extracted from the second page. The first requirement and the second requirement are output for storage in a data store.Type: GrantFiled: December 21, 2021Date of Patent: November 26, 2024Assignee: The Boeing CompanyInventors: Ahmad R. Yaghoobi, Krishna P. Srinivasmurthy, Temourshah Ahmady
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Patent number: 12154100Abstract: Systems and methods for distributed ledger-based settlement are disclosed. In one embodiment, a method may include: receiving settlement instructions from a first party providing a commodity and a second party providing cash; matching the settlement instructions; affirming the matched settlement instructions with the parties; a smart contact sending the affirmed settlement instructions to a commodity clearing bank; the smart contract receiving confirmation of a blockage of the commodity from the commodity clearing bank; the smart contact sending the affirmed settlement instructions to a cash clearing bank; the smart contract receiving confirmation of a blockage of the cash from the cash clearing bank; the smart contract executing the exchange of tokens for the commodity for tokens for the cash; and the smart contract writing the tokens for the cash to a wallet for the first party, and writing tokens for the commodity to a wallet for the second party.Type: GrantFiled: April 5, 2023Date of Patent: November 26, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Oliver Margolis, Tyrone Lobban, Mark Amlin, Marc-Antoine Fichet, Andrew Lovell, Paul Thomas, Viresh Mor, John-Paul Antony Crocker, Christine Moy
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Patent number: 12147861Abstract: Combined use transaction cards are disclosed including preferably the functionality of being usable for conducting a financial transaction along with the additional functionality for activation or access to at least one other event. Many types of non-financial events are contemplated such as for access or entry, employee need, student need, and the like. Such cards preferably utilize electronically readable means as may be provided to such cards, such as including magnetic stripes, RFID transponders, OCR text, and one dimensional or two dimensional bar codes.Type: GrantFiled: January 10, 2022Date of Patent: November 19, 2024Assignee: Veritec, Inc.Inventors: Thomas F. Look, Van Thuy Tran
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Patent number: 12147975Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.Type: GrantFiled: February 3, 2021Date of Patent: November 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Steven E. Puffer
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Patent number: 12147966Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.Type: GrantFiled: June 14, 2023Date of Patent: November 19, 2024Assignee: PAYPAL, INC.Inventors: William Ready, Juan Antonio Benitez, II, James Robert von Behren, Andrew Kortina, Benjamin Eroe Mills
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Patent number: 12141781Abstract: Identification elements may be added to a vehicle and the identification elements may be required before a transaction through the vehicle may be approved. The identification elements may be a second layer of security to ensure that a payment request is valid and not fraudulent.Type: GrantFiled: February 14, 2023Date of Patent: November 12, 2024Assignee: Visa International Service AssociationInventors: Som Madhab Bhattacharya, Surendra Vyas
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Patent number: 12141792Abstract: A cross-wallet system generate a cross-platform key or a virtual account number for a first digital wallet provider to be used by the consumer when the consumer wishes to send payment to a second digital wallet provider with which the consumer does not possess an account. Moreover, the virtual account number, in one example, may only include a partial set of card number that does not include the typical set of card number. The virtual account number created by embodiments of the invention further enable security features that prevent fraud and protect the consumer's financial assets.Type: GrantFiled: September 14, 2023Date of Patent: November 12, 2024Assignee: Visa International Service AssociationInventor: Vikash Kumar Sethi
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Patent number: 12141783Abstract: The described payment splitting technology can enable a person to split a cost of a product over a number of payments. For example, mobile device can receive a code for a product, receive an indication via the display of the mobile device that a person wants to split the cost of the product, and send a payment split indicator to a point of sale (POS) device. The POS device can scan the product, determine a cost for the product, receive the payment spilt indicator, and send the cost and the payment split indicator to a server where the transaction for the product can be authorized and the splitting of the payment can be approved.Type: GrantFiled: November 25, 2020Date of Patent: November 12, 2024Assignee: United Services Automobile Association (USAA)Inventors: Charise Renee Whitaker, Michael J. Maciolek
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Patent number: 12131301Abstract: The disclosed embodiments include computer-implemented systems and processes that facilitate an initiation and a performance of one or more trustless transactions between counterparty devices operating within a trusted, secure computer-networking environment. For example, an apparatus may receive, through a touchscreen display unit, first data that identifies a session identifier associated with a transaction session, and may determine a validity of the session identifier based on the received first data. The apparatus may establish the transaction session in response to the determined validity of the session identifier. The transaction session may be associated with first and second operations characterized by values of corresponding parameters.Type: GrantFiled: July 27, 2021Date of Patent: October 29, 2024Assignee: The Toronto-Dominion BankInventors: Stephen John McCann, Perry Aaron Jones Haldenby, Arthur Carroll Chow, Eddie Cheuk Long Law, Haituyen Anthony Nguyen, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
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Patent number: 12131326Abstract: A method and system are disclosed for transferring digital tokens to and from a physical payment card. The method includes: receiving, on a processing server, a plurality of digital tokens issued from a central bank; and transferring, from the processing server, the plurality of digital tokens to the physical payment card, the physical payment card configured to be used with a point of sale (POS).Type: GrantFiled: September 29, 2023Date of Patent: October 29, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sarala Buradagunta, Rakesh Yadav, Sébastien Le Callonnec
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Patent number: 12131374Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.Type: GrantFiled: April 13, 2023Date of Patent: October 29, 2024Assignee: Apple Inc.Inventors: Marcel Van Os, Stacey R. Abrams, Jae Woo Chang, Steven Eastcott, Jarad M. Fisher, Christine Franco, David T. Haggerty, Richard W. Heard, Mischa McLachlan, Aaron Melim, Ashish C. Nagre, Akila Suresh
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Patent number: 12124908Abstract: An automatic card connection method. The method comprises: when an Android device scans an NFC card to be tested, obtaining a carried tag; receiving an intent request sent by the tag; determining, on the basis of an Intent publishing system, an activity for processing the intent request of the tag; processing the intent request according to the determined activity to obtain an intent request result; searching for application programs installed in the device to obtain application programs matched with the intent request result; starting a target application program according to the selection of a user; calling a fourth preset method to obtain a tag value of said NFC card; and performing data communication connection with said NFC card on the basis of the tag value.Type: GrantFiled: January 1, 2021Date of Patent: October 22, 2024Assignee: Feitian Technologies Co., Ltd.Inventors: Zhou Lu, Huazhang Yu
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Patent number: 12125031Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.Type: GrantFiled: May 19, 2023Date of Patent: October 22, 2024Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
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Patent number: 12126614Abstract: A method includes receiving, by a universal authentication application from a resource provider computer, a user credential verification request message comprising a user identifier, server computer data, and interaction data for an interaction. The universal authentication application transmits the user credential verification request message to a browser that invokes the authenticator to verify biometric information of a user. The universal authentication application receives a user credential verification response message from the authenticator. The user credential verification response message includes signed interaction data. The universal authentication application sends the user credential verification response message to the resource provider computer. The resource provider computer provides at least the signed interaction data to a plurality of server computers to retrieve a plurality of portable device credentials respectively associated with the plurality of server computers.Type: GrantFiled: November 12, 2020Date of Patent: October 22, 2024Assignee: Visa International Service AssociationInventors: Jalpesh Chitalia, Gavin Shenker, Manoj Kannembath, Amit Gupta