Having Programming Of A Portable Memory Device (e.g., Ic Card, "electronic Purse") Patents (Class 705/41)
  • Patent number: 11373175
    Abstract: A method for processing redundant blockchain transactions for linked wallets includes: storing blockchain data associated with a blockchain including a plurality of blocks, each block including a block header and blockchain data values, each data value corresponding to a processed blockchain transaction; receiving a new blockchain data value including an input transaction, recipient address, and transaction amount; confirming each input transaction based on a corresponding blockchain data value; identifying a plurality of blockchain wallets linked to the recipient address, and, for each wallet, an additional recipient address; generating a mirror blockchain data value for each linked wallet including the input transaction, transaction amount, and the additional recipient address identified for the respective linked wallet; and transmitting the new blockchain data value and each mirror blockchain data value to one or more nodes in a blockchain network associated with the blockchain.
    Type: Grant
    Filed: February 22, 2019
    Date of Patent: June 28, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Madhavi Sharma, Chandan Garg, Jaipal Singh Kumawat
  • Patent number: 11361315
    Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.
    Type: Grant
    Filed: May 13, 2020
    Date of Patent: June 14, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Cruz Vargas, Andrea Montealegre, Daniel John Marsch, Sophie Bermudez, William Carroll
  • Patent number: 11361316
    Abstract: An embodiment of a method of recording transactions conducted in a public distributed ledger system using a personal distributed ledger system includes: generating, by a wallet distributed application, an address in the public distributed ledger system and a private key; signing, by the wallet distributed application, a transaction to a distributed application in the public distributed ledger system using the generated address and private key; generating, by the wallet distributed application, a transaction to the personal distributed ledger system, the generated transaction containing information identifying the signed transaction to the public distributed ledger system, such as the private key used to sign the transaction; and transmitting, by the wallet distributed application, the transaction to at least one distributed node of the personal distributed ledger system.
    Type: Grant
    Filed: June 2, 2017
    Date of Patent: June 14, 2022
    Assignee: REFINITIV US ORGANIZATION LLC
    Inventor: Richard Collin
  • Patent number: 11354640
    Abstract: Systems for contactless authentication and event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A second, different interactive user interface may be generated and transmitted for display by an event processing device. A user may select an option displayed by the event processing device. The user selection may be made via the second interactive user interface. The user selection may then cause the self-service kiosk to execute the selected function.
    Type: Grant
    Filed: July 6, 2020
    Date of Patent: June 7, 2022
    Assignee: Bank of America Corporation
    Inventors: Udaya Kumar Raju Ratnakaram, Sandeep Kumar Chauhan
  • Patent number: 11354612
    Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account for a merchant without the merchant's consent. The system identifies a request from a customer to purchase the open loop prepaid gift account which can be used to make purchases at the merchant, presents a menu from which the customer can select the merchant, receives a selection of the merchant and, based on the selection, presents an option to load funds onto the open loop prepaid gift account. Upon receipt of payment, the system creates the open loop prepaid gift account and loads the open loop prepaid gift account with an amount of money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card. The system also prints on the physical card a statement suggesting that the customer can use the physical card to make purchases at the merchant.
    Type: Grant
    Filed: November 5, 2012
    Date of Patent: June 7, 2022
    Assignee: Blackhawk Network, Inc.
    Inventor: Jason Wolfe
  • Patent number: 11348124
    Abstract: Systems and methods for generating aggregated merchant analytics for a sector are provided. The system includes a merchant analytics (MA) computing device in communication with a user computing device. The MA computing device defines a plurality of sectors of a geographic region and receiving transaction data including at least one online transaction associated with a merchant. The MA computing device generates a transaction location identifier for each of online transaction to indicate a location associated with a user device operated by a cardholder associated with the online transaction and links the online transaction to one sector based on the transaction location identifier. The MA computing device generates aggregated merchant analytics for each sector based on the transaction data associated with the online transactions located in the sector and displays the aggregated merchant analytics on the user computing device for analysis.
    Type: Grant
    Filed: September 8, 2016
    Date of Patent: May 31, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Manash Bhattacharjee
  • Patent number: 11348078
    Abstract: A method for allowing a purchaser to purchase an electronic gift includes providing code to a merchant that, when selected opens an overlay on the merchant's website, with the code being selected in association with at least one item available for sale on the website. The purchaser provides recipient and billing information using a device accessing he overlay. A service provider receives payment, in an amount at least equal to a purchase price of the item, and obtains an electronic gift card having at least a unique gift card number and a balance at least equal to the purchase price of the item. After the electronic gift card has been obtained, the service provider electronically notifies the recipient that the electronic gift has been purchased by the purchaser. The notification is viewable by the recipient and includes at least an identification of the item.
    Type: Grant
    Filed: June 23, 2020
    Date of Patent: May 31, 2022
    Assignee: CASHSTAR INC.
    Inventors: Daniel P. Gardner, Gerard R. Gilbert, Shaun D. White, Benjamin H. Kaplan
  • Patent number: 11348099
    Abstract: Systems and methods are described for implementing blockchain-based content engagement platforms. In several embodiments, the content engagement platform includes a registry service which enables verified content creators to mint Non-Fungible Tokens (NFTs). In many embodiments, media wallet applications enable users to securely store NFTs and/or other tokens on their devices. In a number of embodiments, the media wallet applications collect data concerning media consumed by users and aggregate the media consumption data in a permissioned analytics blockchain. The manner in which the media consumption data is stored can enable users to control permission to access their personal data. In one embodiment, a media wallet is provided that can securely store NFTs, display a user interface through which user instructions concerning data access permissions are received, and cause media consumption data to be written to at least one immutable ledger in conjunction with a set of data access permissions.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: May 31, 2022
    Assignee: Artema Labs, Inc.
    Inventor: Madhu Vijayan
  • Patent number: 11343370
    Abstract: In various embodiments, different mobile phone apparatuses are provided, comprising: a touchscreen a near field communication interface; at least one non-transitory memory storing instructions; and one or more processors in communication with the touchscreen, the near field communication interface, and the at least one non-transitory memory, wherein the one or more processors execute the instructions to initiate various capabilities and/or functionalities in connection with a screen displayed on the touchscreen.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: May 24, 2022
    Assignee: Majen Tech, LLC
    Inventors: George Andrew Gordon, Joseph A Cerrato, Ronald A Johnston, Kevin J Zilka
  • Patent number: 11336587
    Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation and management of controlled-use resources which allow the sender of an electronic resource transfer to limit the ways in which the recipient may use the received resources. This invention allows the sender to maintain control over the products or services purchased with transferred resources, as well as personalize a transfer for a recipient by selecting a favorite merchant or spending category of the recipient. The invention may also benefit a plurality of merchants and other third party entities which may obtain new customers as a result of said customers receiving controlled-use resources designated for said merchants.
    Type: Grant
    Filed: March 11, 2021
    Date of Patent: May 17, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Robertson Walters Greenbacker, Brian Wallace Borneman, Justin Riley duPont, Tony England, Timothy Stephen Nurse, Stephen Philip Selfridge
  • Patent number: 11328192
    Abstract: A non-transitory machine-readable storage medium, having encoded thereon program code is provided. When the program code is executed by a machine, the machine implements the following method for validating the identification of a person: receiving an input listing an identification-issuing entity from a first application; receiving an input of an identification number provided by the identification-issuing entity; displaying a picture of an identification card issued by the identification-issuing party; and saving the picture to a database associated with a user name on the identification card and the identification-issuing entity.
    Type: Grant
    Filed: February 26, 2020
    Date of Patent: May 10, 2022
    Assignee: Mega Geometry, Inc.
    Inventors: Martin Folks, Geoffrey Towell
  • Patent number: 11315000
    Abstract: At least some embodiments are directed to a dynamic card. The dynamic card transmits a first temporary card identification number to a computing device. The dynamic card is without an internal power source and is powered up by an external power source housed within the computing device. The dynamic card determines an absence of unused encrypted card identification numbers and receives a set of encrypted card identification numbers from a server. The dynamic card decrypts a second temporary card identification number from the encrypted card identification numbers and shows the second temporary card identification number on a display, replacing the first temporary card identification number. The second temporary card identification number remains shown on the display after the power from the external power source is discontinued. The second temporary card identification number can be used in a subsequent interaction with another computing device.
    Type: Grant
    Filed: December 30, 2019
    Date of Patent: April 26, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Russell Wolfe, James Bruce Coleman
  • Patent number: 11315121
    Abstract: A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.
    Type: Grant
    Filed: October 30, 2019
    Date of Patent: April 26, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Thomas Purves, Aparna Girish
  • Patent number: 11301676
    Abstract: Provided is a process including: determining that a mobile computing device has crossed a geofence associated with a merchant store; sending, to a remote classifier server, a request for object-recognition classifiers for objects in the merchant store; receiving a set of object-recognition classifiers; receiving with the mobile computing device from user a request to search for offers; capturing an image with a camera of the mobile computing device; receiving one or more wireless beacon identifiers with the mobile computing device; based on the wireless beacon identifiers, selecting a subset of the object-recognition classifiers in the set of object-recognition classifiers; and recognizing an object in the captured image based on the selected subset of the object-recognition classifiers; and requesting, from a remote offer publisher server, offers corresponding to the recognized object; and receiving offers from the remote offer publisher server; and displaying the received offers to the user.
    Type: Grant
    Filed: May 18, 2020
    Date of Patent: April 12, 2022
    Assignee: RetailMeNot, Inc.
    Inventor: Shaun F. Dubuque
  • Patent number: 11301859
    Abstract: Systems and methods are provided for secure offline transactions using a mobile device. The mobile device may include an encrypted data store in which encrypted payment processing data is stored, a risk assessment engine configured to retrieve the encrypted payment processing data and determine, based on the encrypted payment processing data, whether an offline payment is authorized, and a transaction pool configured to store the offline payment after the offline payment has been provided to a recipient. The mobile device may provide the offline payment that has been performed to a payment provider server for completion and/or funding when the mobile device obtains a network connection to the payment provider server following the offline payment.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: April 12, 2022
    Assignee: PAYPAL, INC.
    Inventors: Pawankumar Jajara, Ravi Kumar Singh
  • Patent number: 11295294
    Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.
    Type: Grant
    Filed: September 30, 2014
    Date of Patent: April 5, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Bhoopen Kurani, Nikolai Stroke, Bipin Sahni, Stephen M. Ellis
  • Patent number: 11295311
    Abstract: Systems and methods for transaction processing control are presented. Transaction processing control may be obtained through interaction of a POS device, an account card, and a mobile device. Transaction processing control may be provided in the context of providing account information, including handling requests to select and provide a second account number via a mobile device in communication with a rejected card such that the rejected card need not be removed from the point of sale device and a second card need not be submitted to the point of sale device.
    Type: Grant
    Filed: June 29, 2020
    Date of Patent: April 5, 2022
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Austin Walters, Vincent Pham, Jeremy Goodsitt
  • Patent number: 11288666
    Abstract: A method and a system for conducting financial transactions that include a user selecting from a plurality of proprietary financial accounts to authorize processing of a real-time, on-line electronic financial transaction using only one universal financial token and a remotely located rule-module clearinghouse. The universal financial token is a portable wireless proximity token for universal financial account access having dedicated short range contactless communications capabilities and is encoded with a user's unique user code. The rule-module clearinghouse contains at least one rule-module registered to a user which includes at least one pattern data of a user associated with at least one execution command of the user.
    Type: Grant
    Filed: December 15, 2005
    Date of Patent: March 29, 2022
    Assignee: EDGE MOBILE PAYMENTS LLC
    Inventor: Ned Hoffman
  • Patent number: 11282044
    Abstract: In order to process a mobile transaction offline, a user terminal transmits a mobile transaction code and a merchant terminal ID to a payment information transmission server and the payment information transmission server transmits a payment information message including the mobile transaction code to a merchant terminal, so that it is possible to process mobile transactions through a unified user interface despite different payment plans of various payment service providers.
    Type: Grant
    Filed: November 20, 2020
    Date of Patent: March 22, 2022
    Assignee: Allink Co., Ltd.
    Inventor: Kyung Dong Kim
  • Patent number: 11276054
    Abstract: Techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for differentiated payment allocations using cryptocurrency is described. In response to an indication to allocate a first portion of funds generated from payment received for transaction(s) processed by the PPP to a cryptocurrency wallet account for a user, the PMP can receive a request for first account information associated with the cryptocurrency wallet account. The PMP can send the first account information to the PPP, wherein the first account information is associated with second account information of a merchant account of the user. The PMP can receive, from the PPP, a request to deposit a first portion of the funds into the cryptocurrency wallet account, wherein a second portion of funds is retained by the PPP for deposit into the merchant account as fiat currency.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: March 15, 2022
    Assignee: Block, Inc.
    Inventors: Michael Tomkins, Benjamin VandenBos, Jeremy Mawson
  • Patent number: 11263611
    Abstract: A computing system can receive a primary authorization request corresponding to use of a prepaid payment means of a user of the transaction service for a transaction with a merchant. Based on receiving the primary authorization request, that system can determine that an account balance corresponding to the prepaid payment means comprises inadequate funds to fulfill the transaction. In response, the system can automatically transmit a secondary authorization request to a financial entity associated with an account of the user, and subsequently receive an approval of the secondary authorization request, which enables the system to utilize the account of the user to make up for the inadequate funds of the account balance of the prepaid payment means. Based on receiving the approval, the system can transmit an authorization to the point-of-sale terminal of the merchant to authorize the primary authorization request for the transaction.
    Type: Grant
    Filed: May 7, 2020
    Date of Patent: March 1, 2022
    Assignee: Expensify, Inc.
    Inventor: David M. Barrett
  • Patent number: 11252150
    Abstract: Systems, methods, and non-transitory computer readable media relate to smartcard biometric enrollment. In an embodiment that does not require a user to visit a central location to provide fingerprint images, an activation code corresponding to a unique ID that uniquely identifies a user of a service is generated and sent to the user. In response, at least one finger image is received from a user device. The image is processed to isolate a fingerprint image, which is used to generate a biometric template that is sent to a smartcard manufacturer and used to configure a smartcard for biometric authentication of the user. In another embodiment, a kiosk/ATM provides smartcard biometric enrollment by detecting a smartcard in the smartcard reader, verifying an ID of a user associated with the smartcard, capturing a biometric image from the user, processing the biometric image to generate a biometric template, and storing the biometric template on the smartcard.
    Type: Grant
    Filed: May 1, 2017
    Date of Patent: February 15, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sumeet Bhatt, Ashfaq Kamal, Robert D. Reany
  • Patent number: 11222250
    Abstract: 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: Grant
    Filed: May 13, 2019
    Date of Patent: January 11, 2022
    Assignee: Veritec, Inc.
    Inventors: Thomas F. Look, Van Thuy Tran
  • Patent number: 11216804
    Abstract: A system and related methods for providing and operating a central registry for cryptocurrencies. A central registry communicates with user cryptocurrency wallet applications through standard protocols, thereby allowing users to easily look up wallet addresses from input in a human-readable format. A user registers a wallet address name with the registry. The user then configures the registered wallet address name to be associated with one or more cryptocurrency wallet addresses. Once configured, the user can then provide or share the registered wallet address name with other users or services.
    Type: Grant
    Filed: March 4, 2019
    Date of Patent: January 4, 2022
    Inventor: Nicholas B. Griffith
  • Patent number: 11210703
    Abstract: A mobile device may include a location determination device, a mobile application, a plurality of wireless communication devices, and a user interface for the mobile application. The mobile device may be coupled, via wireless connections, with a wearable device to capture identification information of the object and a remote portal to determine whether a data warehouse coupled with the portal stores a predetermined type of data associating the identification information and the mobile device. If so, the mobile device may generate an alert on the mobile device and prompt the user to accept an operation related to the object. If the user accepts the operation, the mobile application may monitor the location of the mobile device and initiate the operation based on the location of the mobile device.
    Type: Grant
    Filed: September 29, 2020
    Date of Patent: December 28, 2021
    Assignee: Visa International Service Association
    Inventors: Santosh Lachhman Achhra, Sergey Alex Paykis, Stanislav Igorevich Tsikine
  • Patent number: 11190402
    Abstract: Systems and methods for rollback of model-based provisioned network device configuration including a memory capable of storing a model-based provisioned data template that includes a data template sequence. Data associated with a request to transmit a target object request message are received and transmitted following a retrieval message that determines pre-configuration data of the target device. The pre-configuration data is stored and the target object request message is sent specifying CRUD semantics. A notification is received indicating an outcome of the execution and, if the execution outcome is unsuccessful, a rollback stack is retrieved that specifies CRUD semantics and the pre-configuration parameters are retrieved to restore the target device to a pre-request state. If the execution outcome is successful, a second target object request message is retrieved from a list of target devices.
    Type: Grant
    Filed: February 7, 2020
    Date of Patent: November 30, 2021
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Prasad Jonnalagadda, Livin Wilson Valiyaveetil, Venu Goli
  • Patent number: 11170365
    Abstract: Embodiments of the invention are directed to systems and methods for securely and efficiently updating account information across resource providers. Embodiments of the invention provide a method for managing account data that is an improvement in both speed and security over prior methods used by account data management systems. According to embodiments of the invention, account data is linked to resource provider specific tokens stored and managed by a digital wallet provider. Resource provider specific tokens may be stored by resource providers to conduct future transactions, also including recurring or automatic transactions. To manage the resource provider specific tokens, a user may simply send requests to the digital wallet provider using a single interface displayed on a user device rather than by logging into accounts for numerous resource providers and continuously entering updated account data.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: November 9, 2021
    Assignee: Visa International Service Association
    Inventor: Robert Chumbley
  • Patent number: 11151572
    Abstract: System and method for facilitating electronic payment on delivery of a product. The system includes a merchant device; a manufacturer device that is in communication with the merchant device; and a courier device that is in communication with the merchant device. The merchant device is configured to: receive, from an issuer device that is in communication with the merchant device, a pre-authorization code in response to a request for pre-authorization of a transaction corresponding to an electronic payment request for the product; and generate a first machine-readable code having encoded thereon at least the pre-authorization code and an identifier corresponding to the product. The manufacturer device is configured to generate a second machine-readable code having encoded thereon at least the pre-authorization code and the identifier corresponding to the product.
    Type: Grant
    Filed: October 18, 2018
    Date of Patent: October 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Navneet Jain, Arunmurthy Gurunathan, Sonal Vishwas Khanvilkar, Rohit Mali
  • Patent number: 11138486
    Abstract: A cardholder sleeve with selectable wireless communication capabilities is described. The cardholder sleeve includes two or more slots each configured to hold an integrated chip card. Each of the slots is surrounded by shielding material to shield the communication features of the card from skimming and prevent interference with other cards in the sleeve. The cardholder sleeve includes an internal card reader for each of the cards and a selection mechanism that enables a user to select a card in the cardholder sleeve for use. The cardholder sleeve further includes at least one transceiver in communication with the internal card readers that operates as a repeater to wirelessly transmit information read from the chip of the selected card by the respective internal card reader to external card readers such that the selected card need not be removed from the sleeve to be used.
    Type: Grant
    Filed: September 20, 2019
    Date of Patent: October 5, 2021
    Assignee: Wells Fargo Bank N.A.
    Inventors: John T. Wright, Kristine Ing Kushner
  • Patent number: 11138589
    Abstract: System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.
    Type: Grant
    Filed: March 16, 2018
    Date of Patent: October 5, 2021
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Allison Beer, Christina Sheppard, Scott H. Ouellette, Jason Carlyle, Tu P. Le
  • Patent number: 11127047
    Abstract: The present disclosure involves systems, software, and computer implemented methods for providing digital promotions using digital collectibles. One example method includes receiving an image file from a client application associated with a particular user profile. Image recognition is performed on the image file to identify at least one product associated with a digital collectible promotion. A digital collectible associated with the at least one product is identified. A first offer is transmitted, for presentation in the client application, for an availability of the digital collectible upon a transaction including the at least one product. An indication of a transaction associated with the particular user profile that includes the at least one product is received, from a merchant. Instructions to enable at least one digital collectible at the client application for the particular user profile are transmitted, in response to the transaction.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: September 21, 2021
    Assignee: SAP SE
    Inventors: Lars Gregori, Anja Wilbert, Georg Kreimer, Denise Wildner, Jose Enrique Gonzalez Modecir
  • Patent number: 11127000
    Abstract: A system and method for reducing blockchain transaction delay are disclosed. The system consists of a trusted coin wallet framework that implements a trusted execution environment to initiate currency transactions between two clients. The trusted coin wallet framework includes an API proxy and a trusted shadow wallet. The method used by the trusted coin wallet framework involves interaction between the trusted shadow wallet and a peer trusted wallet owned by the other client, via the API proxy, from within the trusted execution environment. During these operations, the blockchain infrastructure is independently validating the transaction.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: September 21, 2021
    Assignee: INTEL CORPORATION
    Inventors: Oleg Pogorelik, Guy Itzhaki, Rami Burstein
  • Patent number: 11120422
    Abstract: Systems and methods are disclosed for a geofence-based location tracking and notification triggering system. One of the methods includes obtaining location information associated with a user device; accessing information indicating entities located within one or more threshold distances of the obtained location; determining whether a user of the user device satisfies constraints specified by the entities; and generating a notification to be provided to the user device, the notification indicating information associated with at least one entity for which the user satisfies specified constraints. Preferably, the notification is in the form of a text messages, which provides advantages for real-time notifications with increased spatial relevance to a user.
    Type: Grant
    Filed: June 18, 2019
    Date of Patent: September 14, 2021
    Assignee: GPS Special.com LLC
    Inventor: Abdelgawa Abdelkader
  • Patent number: 11113634
    Abstract: Systems and methods provide check-in services to mobile devices using a check-in enabled network. When the mobile computer device attempts to access the check-in enabled network, a connection is established between the mobile computer device and the check-in enabled network. Check-in information is passed between the mobile computer device and the check-in enabled network to check in a user of the mobile computer device to an entity providing the check-in enabled network. The method may also include determining whether any additional actions are available to provide to the mobile device via the check-in enabled network, when an additional action is available, presenting the additional action to the user via the mobile device, and receiving input from the mobile device to take the additional action. Many additional actions may be available and are disclosed herein. The user's personal information may be protected while providing financial transactions with the system.
    Type: Grant
    Filed: December 28, 2014
    Date of Patent: September 7, 2021
    Inventor: Dennis Stong
  • Patent number: 11113687
    Abstract: A method includes performing a first transaction using a first payment account. The first transaction includes a successful authentication of a holder of the first payment account. A record is stored of the first transaction. The record indicates that the successful authentication occurred. A request is received for a second transaction using a second payment account. The indication of the successful authentication is detected in the stored record of the first transaction. The second transaction is completed without requiring authentication of the account holder.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: September 7, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Manoneet Kohli
  • Patent number: 11107050
    Abstract: 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: Grant
    Filed: November 11, 2016
    Date of Patent: August 31, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Patent number: 11100492
    Abstract: A method and apparatus is taught wherein a light smartcard may be utilized to make transactions so that a user only has to carry one card and not be encumbered with the multiple cards that now have to deal with. This is accomplished with a third party API service provider. This could also be thought of your own personal cloud that carries only your cards and only your information including virtual currencies as well. Now you only have to carry one and one card only. You can spend from any of your other accounts through this one card.
    Type: Grant
    Filed: January 20, 2019
    Date of Patent: August 24, 2021
    Inventors: Peter Garrett, Paz Rheinstein, Mark Boys
  • Patent number: 11100494
    Abstract: A mobile system for transitional updating of information in contactless chips, wherein allowing the chip users to perform transactional operations when in transit, using a smartphone, tablet, notebook, smartwatch or any other device capable of run mobile applications, U includes a user request via mobile application; authentication on a network server; and authentication with an issuer key. It is an alternative for contactless chips users to perform transactional operations while in transit using a smartphone, tablet or any other device capable of running mobile applications. It allows the user complete autonomy in the process of updating or consulting the contents of their chip, eliminating their dependence on the network of fixed terminals.
    Type: Grant
    Filed: June 30, 2017
    Date of Patent: August 24, 2021
    Assignee: RPC REDE PONTO CERTO TECNOLOGIA E SERVIÇOS LTDA
    Inventors: Marcelo Correa, Wellington De Souza, Amauri Da Silva, Jr.
  • Patent number: 11087614
    Abstract: A Smart Campus Security Shield System comprising a Smart Student ID Card, wherein the card comprises a set of sensors inside the Smart Student ID Card. The set of sensors send a crime alert through a wireless network to a cloud server. The cloud server memory comprises a student crime alert model which describes the crime alert severity, student ID number, name, location, date, time, and a set of details of the student, so that the student risk control model can generate a plurality of corrective actions and preventive actions for each individual student. The crime alerts personalized and adaptive machine learning method presents a set of customized corrective actions and preventive actions to a student, based on at least one student attribute data. A set of student safety performance statistics is used to generate an optimal safety management strategy for the school security staff to reduce school crime.
    Type: Grant
    Filed: November 18, 2019
    Date of Patent: August 10, 2021
    Inventors: Hemal B. Kurani, Hetal B. Kurani
  • Patent number: 11080686
    Abstract: Provided are a system and method for a mobile payment. In one example, the method may include determining an amount of digital wallets installed on a mobile device, and in response to determining that a plurality of digital wallets are installed on the mobile device, displaying a smart button on a merchant checkout page.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: August 3, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Todd Allan Healy, Stephanie Yim
  • Patent number: 11074620
    Abstract: A method of dynamically binding supplemental content to a content transactional item includes identifying the content transactional item at a device and identifying a description related to the content transactional item. The method also includes obtaining the supplemental content based on the description, where the supplemental content provides additional information about the content transactional item. The method further includes dynamically binding the supplemental content to the content transactional item and positioning the supplemental content in association with the content transactional item using a supplemental interactive display.
    Type: Grant
    Filed: September 11, 2014
    Date of Patent: July 27, 2021
    Assignee: AiBUY, Inc.
    Inventors: Robert K. Spitz, Todd Downing, Christian Briggs
  • Patent number: 11074572
    Abstract: In some examples, an account is provisioned onto an electronic device. In some examples, the device receives a value to fund the account provisioned on the electronic device. In some examples, the electronic device transacts with a contactless transaction terminal using the provisioned account and displays an indication of the transaction. In some examples, the electronic device transmits information corresponding to the provisioned account without checking for authentication. In some examples, the device receives user input initiating a process for moving the account from a first device to a second device. In some examples, the device receives account payment credentials from a second device when a set of payment criteria are met.
    Type: Grant
    Filed: November 27, 2017
    Date of Patent: July 27, 2021
    Assignee: Apple Inc.
    Inventors: Marcel Van Os, Oluwatomiwa B. Alabi, Peter D. Anton, George R. Dicker, Donald W. Pitschel, Danvin Ruangchan, Glen W. Steele, Simon Tickner, Shawn T. Webster
  • Patent number: 11062319
    Abstract: Systems, methods, and apparatuses provide token management in a federated fund transfer environment. An example method includes receiving, by a token management system, a designation of a single token; receiving, by the token management system, a token management designation adapted to manage the single token; receiving, by the token management system, a rule designation for the token to enable association of the single token with two or more entities of the federated fund transfer system; and generating, by the token management system, a rule based on the rule designation to cause application of the rule with the single token in a subsequent fund transfer transaction utilizing the single token.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: July 13, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Azita Asefi
  • Patent number: 11055697
    Abstract: According to a first aspect of the invention, there is provided a carrier comprising an electronic chip having stored thereon data identifying a plurality of accounts each linked to a respective issuer, wherein the electronic chip is configured to instruct a terminal reading the electronic chip to prompt for selection of one of the plurality of linked accounts before initiating a financial transaction.
    Type: Grant
    Filed: May 12, 2017
    Date of Patent: July 6, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Karabi Ghanta, Siddesh Pangam, Tushar Uddhay Gaikar
  • Patent number: 11055699
    Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.
    Type: Grant
    Filed: June 18, 2019
    Date of Patent: July 6, 2021
    Assignee: Capital One Services, LLC
    Inventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
  • Patent number: 11042869
    Abstract: A payment object service receives a request from a giver to associate a payment amount to an object. The request includes one or more images of the object and recipient information, which the payment object service uses to determine whether the association between these images and the information is unique. If the association is unique, the payment object service updates a database to associate the payment amount to the object and enable redemption of the payment amount. When the payment object service receives a request to redeem at least a portion of the payment amount, the payment object service may use one or more images and recipient information obtained from the request to verify that the images and information together correspond to the object. Once the redemption is complete, the payment object service may update the database to specify the current remaining payment amount.
    Type: Grant
    Filed: September 30, 2014
    Date of Patent: June 22, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Matthew Ryan Jezorek, Scott Kenneth Bishop, Brenda Renee' Campbell, Darren Ernest Canavor, Scott Donald Gregory, Jesper Mikael Johansson, David James Kane-Parry, Eric Michael Laird, Brian Young Lee, Ido Mittelman, Gregory Branchek Roth, James Arthur Wilson
  • Patent number: 11037081
    Abstract: Techniques for dynamically allocating storage space at fulfillment centers for sellers offering items are disclosed herein. In embodiments, information about available bins of a fulfillment center for storing inventory may be obtained. Sales performance factor information for a seller offering items may be received for items that are being stored at a fulfillment center. A capacity of bin numbers and bin sizes may be determined for the seller based on the sales performance factor information and the number of available bins. A threshold space assignment for the seller may be determined based on an inventory group associated with the offered items associated with the seller. Particular bin sizes and bin numbers may be identified at the fulfillment center for the particular seller to store the offered items based on the capacity and threshold space assignment.
    Type: Grant
    Filed: November 14, 2018
    Date of Patent: June 15, 2021
    Assignee: Amazon Technologies, Inc.
    Inventors: Mohammad Adnan, Manoj Tharwani, Biswajit Mishra
  • Patent number: 11037158
    Abstract: In one example, a bulk dispute challenge system may select disputes to challenge from a bulk set of dispute events based on a probability of success and a return on investment. The bulk dispute challenge system may receive a dispute success model that calculates a predicted probability of success for disputes generated by applying a machine learning model to a training data set featuring multiple attributes describing data characteristics of disputed events. The bulk dispute challenge system may apply the dispute success model to a dispute of a dispute set. The bulk dispute challenge system may calculate a predicted probability of success for a dispute challenge. The bulk dispute challenge system may perform a dispute decision for the dispute based in part on the predicted probability of success and a dispute return on investment. The bulk dispute challenge system may execute the dispute challenge to the dispute based on the dispute decision.
    Type: Grant
    Filed: July 31, 2016
    Date of Patent: June 15, 2021
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Di Lai, Zimin Zhong, Qi Xue, Trevor Nies
  • Patent number: 11032273
    Abstract: The computer-implemented method for authenticating secret information according to an aspect of the present disclosure, comprises receiving, by an authentication server, Q{right arrow over (X)} from a terminal for registering secret information; storing, by the authentication server, the received Q{right arrow over (X)}; receiving, by the authentication server, a vector {right arrow over (Z)} from a terminal for requesting authentication of secret information; calculating, by the authentication server, the inner product of Q{right arrow over (X)} and {right arrow over (Z)}; calculating, by the authentication server, ½(n?the inner product); and determining, by the authentication server, that the authentication is successful if ½(n?the inner product) is within a predetermined value and that the authentication fails otherwise.
    Type: Grant
    Filed: July 23, 2019
    Date of Patent: June 8, 2021
    Assignee: Crypto Lab Inc.
    Inventors: Junghee Cheon, Yongsoo Song
  • Patent number: RE48950
    Abstract: When an IC card is passed over an external card reading and writing apparatus, the IC card starts communication with the card reading and writing apparatus via a wireless interface, so that a change in the internal state of the IC card is reported to an external device via an external wired interface or a dedicated control signal line, thus allowing a specific application to be enabled on the external device or allowing a controller to be powered on and activated. Alternatively, the controller is powered off and deactivated. Accordingly, processing according to the communication state between the IC card and the card reading and writing apparatus or the internal state of the IC card can be smoothly initiated.
    Type: Grant
    Filed: March 6, 2019
    Date of Patent: March 1, 2022
    Assignee: Sony Group Corporation
    Inventors: Shigeru Arisawa, Akihiko Yamagata