Having Programming Of A Portable Memory Device (e.g., Ic Card, "electronic Purse") Patents (Class 705/41)
  • Patent number: 10255601
    Abstract: A method and a server computer are provided for authenticating a cardholder account. The server computer implements the method, which includes obtaining a first identifier and a cryptogram from a first entity, identifying an issuer associated with the cardholder account, forwarding the first account identifier and the cryptogram to a second entity for validation, receiving a second identifier from the second entity, and sending the second identifier to the first entity. The first identifier can be associated with the cardholder account. The second identifier can be generated by the second entity and associated with a validated form of the first identifier.
    Type: Grant
    Filed: December 9, 2010
    Date of Patent: April 9, 2019
    Assignee: Visa International Service Association
    Inventor: Oleg Makhotin
  • Patent number: 10248953
    Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.
    Type: Grant
    Filed: October 9, 2014
    Date of Patent: April 2, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
  • Patent number: 10244392
    Abstract: Embodiments of the present invention may provide the capability to personalize end devices over-the-air (OTA) without the involvement of device manufacturers, for example, in a federated large scale wireless IoT network, such as LoRaWAN. Preset with factory settings, end devices may securely connect to the network before they are finally personalized for their target service. Security sensitive personalization information may only be exchanged between device and service provider. The process may require relatively little effort by the network operator and end customers, may lower personalization costs, and may provide a security model that is attractive for a wide range of IoT applications.
    Type: Grant
    Filed: May 23, 2016
    Date of Patent: March 26, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Alexandru Caracas, Frank Hoering, Marcus B. Oestreicher
  • Patent number: 10195530
    Abstract: A system and method for providing in-game advertising to assist in recruiting of affiliation members in an online game. The system and method include receiving affiliation advertising bids from affiliations for advertising opportunities. A bid indicating an aggregate amount of consideration is pledged by multiple users in an affiliation on behalf of the affiliation in a competitive auction with other affiliations for an advertising opportunity and determining winning affiliation advertising bids in competitive auctions for advertising opportunities.
    Type: Grant
    Filed: May 19, 2017
    Date of Patent: February 5, 2019
    Assignee: ELECTRONIC ARTS INC.
    Inventors: Wynne Chyou, John Kim, Kevin Chanthasiriphan, Albert Wei, Chris Yu
  • Patent number: 10194012
    Abstract: Techniques described herein include a platform for providing user interaction with a vehicle's functions on a mobile device. In some embodiments, both the vehicle and mobile device are in communication with a service provider computer that facilitates communications between the two. In some embodiments, a user is provided with various details related to the vehicle's condition as well as a list of available functions for initiation by the user. The user is able to select one or more of the listed functions to be performed by the vehicle while located any distance from the vehicle. In some embodiments, the service provider computer determines whether the user is authorized to initiate a particular vehicle function. Upon selection of a vehicle function from the list of vehicle functions, a processor device in the vehicle executes the function.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: January 29, 2019
    Assignee: THUNDER POWER NEW ENERGY VEHICLE DEVELOPMENT COMPANY LIMITED
    Inventors: Yong-Syuan Chen, Jen-Chieh Hsiao
  • Patent number: 10193894
    Abstract: Concepts and technologies are disclosed herein for enabling access to restricted data using geofences. A system can identify a device associated with restricted data that includes network data that law prohibits the use of for commercial purposes without authorization. The system can determine use parameters associated with the device, each of the use parameters including a device identifier, a geofence, time limits, and an indication of purposes. The system can determine if the device is at a geographic location that satisfies the location that is defined by the geofence, if the time limits associated with the geofence are satisfied, and if a purpose for which the restricted data will be used matches a one of the purposes. If the system determines that the location, time limits, and purposes are satisfied, the system can use the restricted data for the purpose.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: January 29, 2019
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Sheldon Meredith, William Cottrill, Charles Michaelis
  • Patent number: 10185951
    Abstract: Systems and methods are provided for managing authorization and device configuration to facilitate the usage, sale and transfer of merchant cards in various manners that enable one or more authorized users to store information representative of one or more of such merchant cards in a user-specific mobile electronic wallet.
    Type: Grant
    Filed: August 7, 2015
    Date of Patent: January 22, 2019
    Assignee: CardSwapper, LLC
    Inventors: Bryan Gula, Samuel Makali'i Seto Tanner
  • Patent number: 10176474
    Abstract: An application on user's mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the transaction and/or merchant loyalty, reward, or membership numbers. The barcode can be scanned to make purchases at a point of sale (POS).
    Type: Grant
    Filed: October 9, 2014
    Date of Patent: January 8, 2019
    Assignee: PAYPAL, INC.
    Inventor: Catherine A. Wong
  • Patent number: 10171238
    Abstract: Methods and systems for transmitting data are described. A random data stream is generated. A data stream is generated comprising the random data stream and indicators as to which data of the random data stream is valid data to be communicated to a recipient. The random data stream and/or the data stream may be communicated using quantum entanglement.
    Type: Grant
    Filed: April 9, 2014
    Date of Patent: January 1, 2019
    Assignee: THE BOEING COMPANY
    Inventors: Wayne Richard Howe, Jeffrey H. Hunt, Edward Allen Adler
  • Patent number: 10169692
    Abstract: A card is provided, such as a credit card or security card, that may transmit information to a magnetic stripe reader via a magnetic emulator. The emulator may transmit the information in order to reduce the amount of circuitry needed to emulate a particular block of information. Additionally, for example, one or more buttons may be included on the card. Buttons may be includes, for example, to provide a control interface to navigate through various options of the card. Additionally, coding schemes may be selected via buttons. Furthermore, a card may be locked until a private number is entered into a card or a number may only be generated (e.g., displayed and/or emulated) once a particular private number is entered into a card.
    Type: Grant
    Filed: December 19, 2008
    Date of Patent: January 1, 2019
    Assignee: DYNAMICS INC.
    Inventors: Jeffrey David Mullen, Will Reutzel
  • Patent number: 10147091
    Abstract: A system and method for facilitating communication between a smart card and a terminal, the method comprising receiving a first ATR message at a first time that is within a first predetermined clock cycles after a reset; waiting for a second ATR message indicative of a successful biometric authentication from the smart card; receiving the second ATR message at a second time that is within a second predetermined clock cycles after the first time; and exchanging transaction-related messages with the smart card.
    Type: Grant
    Filed: February 6, 2015
    Date of Patent: December 4, 2018
    Assignee: TACTILIS SDN BHD
    Inventors: Michael Gardiner, Adriano Canzi
  • Patent number: 10147083
    Abstract: Methods and systems for facilitating electronic transactions on a mobile communications device are described. Available funding sources for sending funds to a contact from a list of contacts is provided for display on a graphical user interface (GUI) of a mobile communications device. A selection of a funding source from the available funding sources is received from the mobile communications device. In response to receiving a selection of the funding source, a payment indicator is provided for display on the GUI. A touch input associated with the payment indicator is receiving via the GUI. A transaction amount is determined based on a contact point dependent measurement of the touch input. The determined transaction amount along with the payment indicator is provided for display on the GUI.
    Type: Grant
    Filed: September 18, 2017
    Date of Patent: December 4, 2018
    Assignee: PAYPAL, INC.
    Inventor: Michelle Pujals
  • Patent number: 10141966
    Abstract: Methods, devices, and servers for as-needed update of a trusted list are provided herein. An electronic subscriber identity module (eSIM) server receives a request for an eSIM of a particular type from a wireless device. The eSIM server evaluates the particular type and requests an eSIM of the particular type from a second eSIM server, which is not initially trusted by a secure element (SE) of the wireless device. The eSIM server sends a policy update to the wireless device. The wireless device passes the policy update to the SE, for example, a universal integrated circuit card (UICC). The UICC updates the trusted list with an identity of the second eSIM server. When the wireless device downloads a bound profile package (BPP) containing an eSIM from the second eSIM server, the UICC validates the BPP based on the updated trusted list. The eSIM is then installed on the UICC.
    Type: Grant
    Filed: November 8, 2017
    Date of Patent: November 27, 2018
    Assignee: Apple Inc.
    Inventors: Avinash Narasimhan, Hemant Purswani, Clark P. Mueller, David T. Haggerty, Li Ll, Arun G. Mathias, Najeeb M. Abdulrahiman
  • Patent number: 10127547
    Abstract: A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored in a digital payment account in a storage device. The digital payment account stores values of gift cards from issuers. A financial transaction corresponding to the issuer of the gift card is performed on the digital payment account. The value of a first gift card from a first issuer of a first digital payment account is exchanged with the value of a second gift card from a second issuer of a second digital payment account.
    Type: Grant
    Filed: April 24, 2018
    Date of Patent: November 13, 2018
    Assignee: eBay Inc.
    Inventors: Steve Yankovich, Ryan Melcher, Robert Dean Veres
  • Patent number: 10108662
    Abstract: According to various embodiments, systems and methods for performing unit conversion operations in a database system are provided. According to embodiments, a database operation will require unit conversion. A number of unit conversions that might be required both before and after performance of the operation can then be estimated. At least some of the data entries implicated by the operation can then be converted from a first unit to a second unit depending on the result of the estimation.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: October 23, 2018
    Assignee: SAP SE
    Inventors: Boyung Lee, Joo Young Yoon
  • Patent number: 10096021
    Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.
    Type: Grant
    Filed: March 27, 2015
    Date of Patent: October 9, 2018
    Assignee: PAYPAL, INC.
    Inventors: German Scipioni, Loc Nguyen
  • Patent number: 10096071
    Abstract: A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being associated with a plurality of financial accounts of a user. The system further includes a server system coupled to the database system and configured to categorize the plurality of financial transactions into a plurality of categories, the categories including merchant categories and payment method categories, the server system being further configured to provide a plurality of user interfaces to the user, each user interface providing a display of a different portion of the plurality of financial transactions, each user interface configured to enable a user to select a link configured to direct the user to an image of a check associated with one of the plurality of financial transactions; and categorize the financial transaction into a one of the merchant categories.
    Type: Grant
    Filed: April 14, 2014
    Date of Patent: October 9, 2018
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Matthew Krakowiecki, Pearl Kolling, Jack Mackouse, Kevin Rhein, Elizabeth Hoople, Kathy Yee
  • Patent number: 10089618
    Abstract: A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.
    Type: Grant
    Filed: November 14, 2013
    Date of Patent: October 2, 2018
    Assignee: ORBIS PATENTS LIMITED
    Inventors: Stephen Kavanagh, Conor Clarke, Kleron Guilfoyle, Patrick Brosnan
  • Patent number: 10078834
    Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.
    Type: Grant
    Filed: March 28, 2011
    Date of Patent: September 18, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventor: Joseph C. Kawan
  • Patent number: 10068076
    Abstract: A method and a corresponding device for authenticating a user for access to protected information, the method comprising generating a behavioral user profile associated with a first user known to be a legitimate user of the protected information, obtaining from a second user, using a behavioral input device associated with a second computing device, a behavioral user sample, storing the behavioral user sample, associated with the second user, in a temporary user profile, comparing the behavioral user sample of the second user to the behavioral user profile, and if the behavioral user sample does not match the behavioral user profile contacting the legitimate first user and receiving from the legitimate first user information regarding the legitimacy of the second user and based on the information received from the first user, providing a response to the second user and updating the user profile.
    Type: Grant
    Filed: November 4, 2016
    Date of Patent: September 4, 2018
    Assignee: Behaviometrics AB
    Inventors: Ingo Deutschmann, Neil Costigan, Tony Libell, Peder Nordstrom
  • Patent number: 10055426
    Abstract: A system may receive a request to derive an output variable from a source variable. The request may include proposed logic to derive the output variable from the source variable. The system may then compare the proposed logic to existing logic to determine the proposed logic is new. In response to the proposed logic being new, the system may generate transformation code configured to execute the proposed logic. The system may further schedule the transformation code for execution at a predetermined time, and then execute the transformation code to generate data for the output variable.
    Type: Grant
    Filed: November 18, 2015
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ravi Arasan, Carmen Patricia Arg├╝ello, Sandeep Bose, Kunal Chandrashekhar Joshi, Matthew Kent Meyer, Marimuthu Ponnambalam, Himanshu Prabhakar, Gurusamy Ramasamy, Jeremy D. Seideman
  • Patent number: 10049349
    Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by establishing a short-range communication channel between a first computing device associated with a first user a second computing device associated with a second user. The method includes receiving, while the first computing device is offline with respect to a payment processing system, a fund transfer request from the second computing device, where the fund transfer request includes a payment proxy of the second user, the payment proxy having the syntax of a monetary currency indicator preceding an alphanumeric character. The method includes sending the fund transfer request from the first computing device to payment processing system after the first computing device establishes network connectivity with the payment processing system using a long range communication network protocol. The payment processing system processes the request unless the request has been previously authorized.
    Type: Grant
    Filed: September 29, 2015
    Date of Patent: August 14, 2018
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Jesse Wilson
  • Patent number: 10032160
    Abstract: Isolating distinct service provider widgets within a wallet container is accomplished by configuring a widget to provide access to an issuer-specific service group of services that are accessible in a service tier of a multi-tier platform for providing secure transactions, determining widget isolation requirements for operating the widget, configuring a widget descriptor with the isolation requirements, and communicating with the configured widget that has been deployed on a mobile device to provide at least one service from the issuer-specific service group.
    Type: Grant
    Filed: December 4, 2013
    Date of Patent: July 24, 2018
    Assignee: MASTERCARD MOBILE TRANSACTIONS SOLUTIONS, INC.
    Inventors: Mehul Desai, Satyan G. Pitroda, Nehal Maniar
  • Patent number: 10032144
    Abstract: Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system (6) charging the customer's account.
    Type: Grant
    Filed: December 24, 2014
    Date of Patent: July 24, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Anil Jacob, Joseph Arnone, Brian Gantert, Manning Field
  • Patent number: 10026078
    Abstract: The invention relates to a system and method for accessing multiple accounts. According to one embodiment, the system includes an access device comprising a body in the form of a card; a processor housed in the body; a memory housed in the body and connected to the processor, wherein the memory stores information on the multiple accounts; a selection device housed in the body and adapted to allow a user to select one of the multiple accounts; a display housed in the body for displaying information identifying the selected account, wherein the processor is programmed to generate a signal to generate the information identifying the selected account in response to a user selecting one of the multiple accounts using the selection device; and a wireless transmitter and a wireless receiver housed in the body and connected to the processor.
    Type: Grant
    Filed: April 26, 2011
    Date of Patent: July 17, 2018
    Assignee: JPMorgan Chase Bank, N.A.
    Inventor: Joseph Bradley Nolan
  • Patent number: 9990508
    Abstract: Methods for notification of application permissions are provided. In one aspect, a method includes receiving a first application programming interface (API) call by an installed application on a device, determining a sensitivity level of the received first API call, determining whether an author of the installed application is an authorized author by determining whether a Secure Sockets Layer (SSL) certificate used to deliver binary code to the device during the process of installing the application is owned by a trusted entity or has been validated by a trusted entity when the determined sensitivity level of the received first API call is associated with a restricted API classification, and allowing the received first API call access to its associated API when the author of the installed application is determined to be an authorized author.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: June 5, 2018
    Assignee: GOOGLE LLC
    Inventor: Alexander Nicolaou
  • Patent number: 9940609
    Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.
    Type: Grant
    Filed: October 30, 2017
    Date of Patent: April 10, 2018
    Assignee: Capital One Services, LLC
    Inventors: Dennis S. Brennan, Steven Potter, Jonathan Witter
  • Patent number: 9928497
    Abstract: A point-of-sale system is provided that permits users to self-manage prepaid debit cards. Such a system may be capable of identifying and managing a number of different prepaid debit cards provided by different card issuers. The system may permit, for example, a user to purchase, activate, load funds, or perform other management operations with such cards. The system may also enforce restrictions associated with particular card types, and follow process flows for activating and performing other operations of such cards. The system may also be easily extendible to other types of prepaid cards through established card network relationships.
    Type: Grant
    Filed: January 18, 2013
    Date of Patent: March 27, 2018
    Assignee: Wal-Mart Stores, Inc.
    Inventors: Kam Lam, Anthony Hylton, Mark Matthews
  • Patent number: 9928504
    Abstract: A virtual wallet system provides embedded controls to a merchant for association and display with merchant artifacts on a merchant interface. Merchant artifacts may include begin-of-purchase flow items such as coupons, and end-of-purchase flow item such as tickets. When the embedded control displayed on the merchant interface is selected by a user, a save artifact request is communicated to a virtual wallet server allowing the user to instantly save an instance of the merchant artifact to the user's corresponding virtual wallet account.
    Type: Grant
    Filed: June 26, 2013
    Date of Patent: March 27, 2018
    Assignee: GOOGLE LLC
    Inventors: David Butcher, Raymond Emmett Colline, II, Tia Gao, Daniel Issen, Peggy Mangot, David Singleton
  • Patent number: 9916573
    Abstract: A method, a system, and a computer program product are provided for wireless establishment of identity via bi-directional radio-frequency identification (RFID). The method is implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable storage medium having programming instructions operable for sending device data including at least a username and a password to a transceiver. The method also includes receiving an identifier of an access point in a wireless network from the transceiver, the transceiver sending the device data to the access point via a security server. The device data is sent to the access point based on the identifier of the access point, the access point establishing a secure connection to the computer infrastructure based on the device data received from the transceiver and the computer infrastructure.
    Type: Grant
    Filed: November 24, 2010
    Date of Patent: March 13, 2018
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: John R. Dingler, Frank C. Fisk, Sri Ramanathan, Matthew A. Terry, Matthew B. Trevathan
  • Patent number: 9911113
    Abstract: An electronic money server groups a parent who owns a parent mobile phone and children who own child mobile phones to be registered as a family, and credit information of the parent is also registered. When the child accesses the electronic money server by using the child mobile phone and specifies a money amount to request family charge, the electronic money server requests the parent mobile phone for permission of the family charge. When the parent grants the family charge, the electronic money server allows the parent mobile phone to decrease a value by the money amount specified by the child and to make the family settlement, and allows the child mobile phone to increase the value by this money amount and to effect the family charge. Further, the child mobile phone can accept issue of credit from a credit server on credit of the parent, thereby effecting the family charge.
    Type: Grant
    Filed: April 15, 2008
    Date of Patent: March 6, 2018
    Assignee: Sony Corporation
    Inventors: Hiroaki Nagai, Yoshinobu Arisumi, Takeshi Shibata
  • Patent number: 9892403
    Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.
    Type: Grant
    Filed: February 28, 2013
    Date of Patent: February 13, 2018
    Assignee: MOBEEWAVE, INC.
    Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti
  • Patent number: 9882715
    Abstract: A key ceremony application creates bundles for custodians encrypted with their passphrases. Each bundle includes master key share. The master key shares are combined to store an operational master key. The operational master key is used for private key encryption during a checkout process. The operational private key is used for private key decryption for transaction signing in a payment process. The bundles further include TLS keys for authenticated requests to create an API key for a web application to communicate with a service and to unfreeze the system after it has been frozen by an administrator.
    Type: Grant
    Filed: July 12, 2017
    Date of Patent: January 30, 2018
    Assignee: Coinbase, Inc.
    Inventors: Andrew E. Alness, James Bradley Hudon
  • Patent number: 9864994
    Abstract: Devices, systems, and methods for securely converting a user's existing static payment card data into dynamic card data that can be authenticated by card issuers or by a stand-in service provider, such as a payment network or processor without requiring the card issuers to make infrastructure changes. The dynamic data can be provisioned onto a magnetic secure transmission device (MST) either directly from a card issuer or using a swiper type device. Devices, systems, and methods are also disclosed for securely provisioning a dynamic card onto the MST by the card issuer. These dynamic cards may be used to transmit modified one-time-use card track data from the MST to a point of sale using a dynamic-CVV methodology to provide higher levels of security during a transaction.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: January 9, 2018
    Assignee: Samsung Pay, Inc.
    Inventors: Enyang Huang, William Wang Graylin, George Wallner
  • Patent number: 9836727
    Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.
    Type: Grant
    Filed: August 29, 2014
    Date of Patent: December 5, 2017
    Assignee: Capital One Financial Corporation
    Inventors: Dennis S. Brennan, Steven Potter, Jonathan Witter
  • Patent number: 9818100
    Abstract: The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available proxy account numbers that can be assigned to source accounts. The source accounts can be, for example, credit card accounts, ATM accounts, debit card accounts, demand deposit accounts, stored-value accounts, merchant-loyalty card accounts, membership accounts, and identification card numbers. The consumer can access and modify any of the source accounts and manage funds across the source accounts by accessing the consolidated platform with a single access device or mode.
    Type: Grant
    Filed: March 27, 2013
    Date of Patent: November 14, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Susan Moon, Hugh Aller, Eric Yellin, Kellie Knox, Jeff Schumacher
  • Patent number: 9811824
    Abstract: A computer implemented method and apparatus for version independent Point of Sale Activation (POSA) product download. The method comprises accessing a database, wherein the database comprises a plurality of entries associated with a plurality of Point of Sale Activation (POSA) cards available for purchase at a retail store; retrieving, from the database, a plurality of entries associated with a previous version of a software product, wherein the previous version of the software product has not been redeemed; generating a serial number for each retrieved entry, wherein each serial number is associated with a current version of the software product; and updating, in the database, each retrieved entry with the generated serial number.
    Type: Grant
    Filed: July 24, 2013
    Date of Patent: November 7, 2017
    Assignee: ADOBE SYSTEMS INCORPORATED
    Inventors: Sanjeev Kumar Biswas, Mayank Goyal
  • Patent number: 9805014
    Abstract: A method for facilitating trusted processing of multiple forms for use with a document banking system, comprising: receiving a selection of an Auto-fill option and a form from a computing device, an account holder selects the Auto-fill option, the form including fillable field(s); authenticating the account holder based on login credential(s), the account holder has a document banking account including documents within the banking system; searching a form template for the form in the banking system, the form template including at least one fillable field similar to the fillable fields of the form; extracting a value corresponding to the at least one fillable field, the value being extracted from the document(s) of the account holder; and filling the form by overlaying the extracted value on the fillable field(s) of the form, the filled form being displayed along with a status information for the fillable field(s) at the computing device.
    Type: Grant
    Filed: August 28, 2014
    Date of Patent: October 31, 2017
    Assignee: Xerox Corporation
    Inventors: Archana Ramakrishnan, Deepthi Chander, Kuldeep Yadav, Kovendhan Ponnavaikko, Koustuv Dasgupta, Nischal Murthy Piratla
  • Patent number: 9785984
    Abstract: Systems and methods for facilitating a purchase over a network. A computer of a banking institution stores personal information from a buyer. The computer uses the personal information to assign and store an account identifier and alias information for the buyer. The computer uses the buyer's alias information and a seller's existing payment process to complete a purchases such that the true identity of the buyer is not revealed to the seller.
    Type: Grant
    Filed: February 27, 2008
    Date of Patent: October 10, 2017
    Assignee: EMIGRANT BANK
    Inventors: Howard P. Milstein, David M. Seldin, Daniel P. Gregerson
  • Patent number: 9768964
    Abstract: A certified identification system for a subject is described. The system has a certification station configured to issue first identification means representing the subject, second identification means, suitable for identifying at least one identification station, and configured to be associated with the subject, wherein the identification station is configured to combine the identification means and the first code of the second identification means, issuing a unique identification code comprising first data, a second code and a first code, wherein the identification station (4) further includes an encapsulation module configured to encapsulate the identification data so that they are presented as compact data.
    Type: Grant
    Filed: April 16, 2015
    Date of Patent: September 19, 2017
    Assignee: SOCIAL NATION S.R.L.
    Inventor: Livio Brachetti
  • Patent number: 9741069
    Abstract: A user device configured to connect to a mobile telephony network and associated with an identification number in the mobile telephony network. The user device selects a method of paying for the shopping basket on a first page of the merchant server; upon selection, the user device sends a payment request to a payment validation module, which is enriched with identification data of the user device; the user device receives a local authentication request message from the payment validation module over the mobile telephony network; on receiving the local authentication request message, the user device triggers execution of an operation of locally authenticating a user of the user device; the user device sends a local authentication response message to the payment validation module; and the user device is redirected by the payment validation module to a second page of the merchant server giving the result of the payment transaction.
    Type: Grant
    Filed: May 24, 2012
    Date of Patent: August 22, 2017
    Assignee: ORANGE
    Inventors: Olivier Massiere, Thibaut Roussel, Pierre Francois Dubois, Olivier Gruson
  • Patent number: 9652791
    Abstract: A method that includes receiving, from a user device, a request for a listing of merchants; in response to receiving the request for a listing of merchants, sending, to the user device, data describing one or more merchants and respective initial geographic locations of the one or more merchants; receiving, from the user device, a user request for updating a geographic location of a particular merchant in the one or more merchants; sending a request for an updated geographic location to a computing device of the particular merchant; receiving, from the computing device of the particular merchant, data describing an updated geographic location of the particular merchant; and providing, to the user device, data describing the updated geographic location of the particular merchant.
    Type: Grant
    Filed: February 8, 2013
    Date of Patent: May 16, 2017
    Assignee: Square, Inc.
    Inventor: Zachary Brock
  • Patent number: 9639852
    Abstract: Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.
    Type: Grant
    Filed: September 24, 2008
    Date of Patent: May 2, 2017
    Assignee: PAYPAL, INC.
    Inventors: Gak Wee Low, Salil Mody
  • Patent number: 9639861
    Abstract: A messaging solution that provides for creating and embedding gift cards into a text message or multi-media message. The inclusion of the gift card may be invoked when a user is sending a greeting card or, a user may directly invoke the sending of a gift card, or similarly a subscription.
    Type: Grant
    Filed: July 23, 2015
    Date of Patent: May 2, 2017
    Assignee: TEXTSOFT, INC
    Inventor: Mark Anthony DeMattei
  • Patent number: 9626674
    Abstract: An independently verifiable system and method for the exchange of a sequence of tokens corresponding to units of currency. A credit or unit of currency is represented by a digital image referred to as a graphical token which may be displayed on an electronic viewing device or printed on paper. Each token contains a digital code that uniquely identifies the previous graphical token in a series of exchanges. After generating a token, a first user provides that token to a second user in order to initiate an exchange. The second user may choose to verify the validity and currency of the token before accepting the token. Either user may choose to register the token and any parameters associated with the exchange with a registry system. Once a user accepts a token, they may choose to issue a new token in the sequence. They may also choose to redeem the token for the credit associated with a sequence of tokens.
    Type: Grant
    Filed: September 26, 2008
    Date of Patent: April 18, 2017
    Inventor: Gregory J. Wolff
  • Patent number: 9613183
    Abstract: A data processing control comprising an outgoing payment request control object having 1) user-selectable data records, each user-selectable data record having one or more associated fields, 2) graphical attributes to allow the user-selectable data records to be displayed, and 3) functional attributes to allow the user-selectable data records to be submitted for payment authorization by a third party. An incoming authorized payment control object having 1) authorized payment data records, each of the authorized payment data records having one or more associated fields, 2) graphical attributes to allow the authorized payment data records to be displayed, and 3) functional attributes to allow the authorized payment data records to be submitted for fund transfer in a single bundled payment transaction. The outgoing payment request control object and the incoming authorized payment control object are generated in a user interface for a healthcare services provider.
    Type: Grant
    Filed: February 11, 2013
    Date of Patent: April 4, 2017
    Assignee: DATAVI, LLC
    Inventor: David Bradley Dean
  • Patent number: 9608979
    Abstract: Systems, methods, and computer program products are provided for managing applets. A first request to personalize the first applet is received over a communications network. A second request including a command requesting at least a portion of the second applet data is communicated to the second applet. At least a portion of the second applet data is communicated to the first applet. One or more values of the first applet data are replaced with one or more values of at least the portion of the second applet data.
    Type: Grant
    Filed: March 25, 2016
    Date of Patent: March 28, 2017
    Assignee: GOOGLE INC.
    Inventor: Curtis W. Watson
  • Patent number: 9600817
    Abstract: Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a virtual value token. The system, method, and computer program product are configured to receive a request for a token associated with a virtual value; generate the token associated with the virtual value, wherein the virtual value is funded via a known currency; determine that a user is initiating a transaction using the token; determine a local currency for the transaction; convert, using a computing device processor, at least a portion of the virtual value into a converted amount in the local currency; and complete the transaction using the converted amount of the token. The virtual value may be based on a defined value, such as a known amount on a specific day, or a relative value, such as the current value of an underlying asset.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: March 21, 2017
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 9600844
    Abstract: Embodiments disclosed herein relate to systems, methods, and computer program products for a system for providing a multi-currency token. The system, method, and computer program product are configured to receive a request for a multi-currency token, wherein the multi-currency token is associated with at least two financial institution partners; determine a value of the multi-currency token; establish currency conversion parameters for the multi-currency token based on at least one of the value of the multi-currency token and a conversion rate between currencies associated with the at least two financial institution partners; determine that a transaction is being performed with the multi-currency token, the transaction associated with a local currency; and complete the transaction with the multi-currency token in the local currency when the local currency is a currency associated with at least one of the financial institution partners.
    Type: Grant
    Filed: March 4, 2014
    Date of Patent: March 21, 2017
    Assignee: Bank of America Corporation
    Inventors: Laura Corinne Bondesen, Jason P. Blackhurst, Scott Lee Harkey, William Blakely Belchee, Tammy L. Brunswig
  • Patent number: 9595032
    Abstract: Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located.
    Type: Grant
    Filed: December 14, 2015
    Date of Patent: March 14, 2017
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Charles Jason Burrell, Carrie Anne Hanson, Alicia C. Jones, Michael Patrick Lynch, Hood Qaim-Maqami