Requiring Authorization Or Authentication Patents (Class 705/44)
  • Patent number: 11367075
    Abstract: A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.
    Type: Grant
    Filed: January 28, 2020
    Date of Patent: June 21, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Yicheng Lu, Tao Chen, Wenbiao Zhao
  • Patent number: 11367094
    Abstract: The present invention is related to a computer implemented method for validating a voucher in an electronic voucher system, the electronic voucher system comprising a voucher holder application, an attestation application, a voucher issuer application an issuer server application, a voucher collector application, a smart contract system or SCS. An electronic voucher system, a computer program product and a computer-readable storage medium for carrying out the steps of the method is also described.
    Type: Grant
    Filed: February 21, 2019
    Date of Patent: June 21, 2022
    Assignee: Banco Bilbao Vizcaya Argentaria, S.A.
    Inventors: Javier Moreno Molina, Juan Ferrer Garcia
  • Patent number: 11368468
    Abstract: Disclosed herein are system, method, and device embodiments for implementing location identification in multi-factor authentication (MFA). In an example embodiment, a user service may present a geographic map based on a MFA process, and receive an authentication attempt including a geographic indicator and interaction information. Further, the system may determine whether the authentication attempt was made by a human based at least in part on the interaction information, determine whether the geographic indicator matches an expected response, and send, to an electronic device, an authentication result indicating whether geographic information was determined to be selected by a human and the geographic indicator was determined to match the expected response.
    Type: Grant
    Filed: May 21, 2020
    Date of Patent: June 21, 2022
    Assignee: Capital One Services, LLC
    Inventors: Lukiih Cuan, Eric Loucks, Joshua Edwards
  • Patent number: 11361686
    Abstract: Technologies are generally described for context sensitive display of final delivery information on a consumable delivery vehicle with enroute preparation. A controller may manage fulfillment of orders while the vehicle is enroute by controlling an operation of one or more on-board preparation equipment. The controller may also receive order status information and travel information associated with final delivery destinations. Once the vehicle is at its destination to be used as a hub for final deliveries, one or more displays on the vehicle may display final delivery information to final delivery people based on the status information and the travel information.
    Type: Grant
    Filed: November 7, 2019
    Date of Patent: June 14, 2022
    Assignee: Zume, Inc.
    Inventors: Alexander John Garden, Joshua Gouled Goldberg
  • Patent number: 11361320
    Abstract: Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.
    Type: Grant
    Filed: October 5, 2020
    Date of Patent: June 14, 2022
    Assignee: Alegeus Technologies, LLC
    Inventor: John Bull
  • Patent number: 11361319
    Abstract: Embodiments of the present disclosure provide a service processing method, apparatus, and system. The method may include: receiving, by a processing server, biological feature information of a user and service settlement information generated according to a service behavior of the user that are sent by a service device. The processing server searches for account information bounded with the biological feature information; performs payment processing on the account information according to the service settlement information, to obtain a processing result; and sends the processing result to the service device and a terminal.
    Type: Grant
    Filed: July 19, 2018
    Date of Patent: June 14, 2022
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Xian Xie, Daogang Zhu, Jingliang Chen, Shan Lu, Jiatao Lin, Minghui Wang
  • Patent number: 11356458
    Abstract: The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary access token generated by the primary identity authentication server, and (c) validation information corresponding to the primary access token that is transmitted by the primary identity authentication server, (iv) responsive confirming validity of the primary access token, transmitting to a secondary identity authentication server, a request for generation of a secondary access token, (v) receiving the secondary access token at the first resource server, and (vi) transmitting to a second resource server within the server system, a request for a second processor implemented service implemented by said second resource server.
    Type: Grant
    Filed: February 12, 2020
    Date of Patent: June 7, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Asheesh Agarwal, Nirmish Dholakia, PiyushKumar Mistry
  • Patent number: 11354648
    Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.
    Type: Grant
    Filed: March 9, 2020
    Date of Patent: June 7, 2022
    Assignee: Capital One Services, LLC
    Inventors: Rajko Ilincic, Sarah J. Cunningham, James Zarakas, William F. Carroll, George Bergeron
  • Patent number: 11354668
    Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.
    Type: Grant
    Filed: November 6, 2017
    Date of Patent: June 7, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: David J. Senci, Kyle Williams, Michelle L. Hafner
  • Patent number: 11356364
    Abstract: Techniques are provided for intelligent routing to a node in a network, such as a transport computer. A gateway server may receive authorization requests from a resource provider computer. There may be multiple potential transport computers to which to potentially route the authorization requests, depending on relationships established between the parties. A routing decision may be made automatically based on real-time network measurements and/or static rules. Real-time network measurements may be obtained by monitoring transport computers for failures, delays, or other undesirable activity. The routing decisions may further be based on expected volumes (e.g., based on analysis of historical spikes in volume). The routing decisions may further be based on user-configured rules and preferences, received via a routing administration interface.
    Type: Grant
    Filed: May 1, 2019
    Date of Patent: June 7, 2022
    Assignee: Visa International Service Association
    Inventors: Biju Abraham, Rabeek RajaMydeen Kanavapeer
  • Patent number: 11349847
    Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.
    Type: Grant
    Filed: May 18, 2020
    Date of Patent: May 31, 2022
    Assignee: PayPal, Inc.
    Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
  • Patent number: 11348077
    Abstract: Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.
    Type: Grant
    Filed: December 12, 2016
    Date of Patent: May 31, 2022
    Assignee: CITIBANK, N.A.
    Inventors: Jayant M. Naik, Giridhar Narayanan, Matthew John Yuschik, Ajay Warrier, Jiachun Zhang
  • Patent number: 11348172
    Abstract: Disclosed are various embodiments for user interfaces that differentiate payment instruments having a trusted beneficiary. It is determined that a payee entity has been designated as a trusted beneficiary for a particular payment instrument issued by a particular payment issuer. A user interface is generated that facilitates a user selection of one of a plurality of payment instruments associated with a user account. The plurality of payment instruments include the particular payment instrument. The user interface differentiates the particular payment instrument based at least in part the payee entity being designated as the trusted beneficiary for the particular payment instrument.
    Type: Grant
    Filed: August 28, 2019
    Date of Patent: May 31, 2022
    Assignee: AMAZON TECHNOLOGIES, INC.
    Inventors: Nicolas Gaivironsky, Artem Pliasunov, Jarrett Alegre Bato, David Xiao Song, Jagan Cheboluraghava, Steven H. Reis
  • Patent number: 11348091
    Abstract: A computer implemented system and method for facilitating a consumer's purchase transaction via a merchant's foreign website utilizes a stored value card transformation computer to convert a stored value card to a different denomination for utilization in another country. An exchange computer retrieves a value rate to calculate the currency different and a time-limited quote is generated which may be transformed into active stored credit in the selected denomination.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: May 31, 2022
    Assignee: Blackhawk Network, Inc.
    Inventors: Andrew Bennett, David Tate
  • Patent number: 11341501
    Abstract: A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method use a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.
    Type: Grant
    Filed: May 14, 2021
    Date of Patent: May 24, 2022
    Assignee: ROCKSPOON, INC.
    Inventor: Nagib Georges Mimassi
  • Patent number: 11341494
    Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: May 24, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Maribeth Sevigny Warner, Pete Kaulbach, Robert C Dunnell, Robert J McDonald, Kathy Donnelly, Thomas Roewe, Ghassan T Jabr, Michael Hochhalter, Russell W Ball, Winifred Elizabeth House, Prasad Krishnamoorthy Rao, Matthew Hanmer, Nora Kryza
  • Patent number: 11341386
    Abstract: Various examples for providing an enrollment barcode to a staging client are provided. Enrollment data can be provided to a barcode service, which generates an enrollment barcode. Interpreting the enrollment barcode by a client device causes a management component installed on the client device to authenticate to a management service using a staging credential encrypted or secured in the enrollment barcode, and causes the enrollment of the client device with the management service.
    Type: Grant
    Filed: September 23, 2020
    Date of Patent: May 24, 2022
    Assignee: VMware, Inc.
    Inventors: Eric Stillman, Stephen Paulus, Nicholas Boncek, Raghu Mummadi, Perron Jones
  • Patent number: 11334932
    Abstract: A method includes receiving, by a payment provide server of a payment provider from a point-of-sale (POS) device associated with a first merchant at a merchant location, a checkout request for a first user to purchase one or more items sold by the first merchant. The method further includes accessing an account of the first user with the payment provider based on authentication information included in the checkout request and identifying a previously stored payment token that is associated with the account of the first user, the previously stored payment token indicating one or more additional items for potential purchase. Further, the method includes in response to the identifying, transmitting instructions to the POS device that cause the POS device to display a request for the first user to add at least one of the one or more additional items for potential purchase for checkout at the merchant location.
    Type: Grant
    Filed: December 27, 2017
    Date of Patent: May 17, 2022
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11334887
    Abstract: A payment card system for authorization and authentication is provided. A computing device monitors one or more transactions to detect various security threats comprising one or more accounts. A computing device determines to elevate a security level associated, at least, with one account based, at least, in part, on detection of, at least, one security threat. A computing device generates at least one temporary personal identification number based, at least, on determination to elevate a security level associated, at least, with one account.
    Type: Grant
    Filed: January 10, 2020
    Date of Patent: May 17, 2022
    Assignee: International Business Machines Corporation
    Inventors: Nadiya Kochura, Itzhack Goldberg, Su Liu, Fang Lu
  • Patent number: 11334871
    Abstract: Embodiments of the inventive concept described herein relate to a virtual card number-based financial transaction apparatus, a virtual card number-based financial transaction providing method, and a virtual card number-based financial transaction providing program, and more particularly, relate to an apparatus, method, and program that may provide a user with an electronic wallet service in an environment where an infrastructure of a financial transaction service is not established.
    Type: Grant
    Filed: August 28, 2020
    Date of Patent: May 17, 2022
    Assignee: SSENSTONE INC.
    Inventor: Chang Hun Yoo
  • Patent number: 11329832
    Abstract: The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: May 10, 2022
    Assignee: Visa International Service Association
    Inventors: Gaurav Srikant Mokhasi, Abhishek Minocha, Rohit Sukhija
  • Patent number: 11328286
    Abstract: Embodiments include multi-function electronic payment card and device systems capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions.
    Type: Grant
    Filed: April 21, 2020
    Date of Patent: May 10, 2022
    Assignee: CARDWARE, INC.
    Inventor: David Wyatt
  • Patent number: 11323443
    Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.
    Type: Grant
    Filed: November 28, 2017
    Date of Patent: May 3, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Dong Soon Denis Kang, Francois Hribovsek, Swapnil Vasant Mhasde, Guan Heng Christophe Yeo
  • Patent number: 11321717
    Abstract: An account holder's portfolio of transactions may be represented as a network of interconnected transaction nodes where each node represents a credit card transaction. This network may then be analyzed using artificial intelligence and machine learning techniques coupled with visual representations of the interrelated nodes to draw conclusions. An account holder or other system entity may report a fraudulent transaction that employs the holder's account information. A backend system may organize transaction information as a network of data nodes that includes a variety of interrelated information. The backend system may then identify all financial transaction “nodes” within the network that are related or connected by common data. For example, multiple transactions may include a common merchant as the reported fraudulent transaction. The backend may then perform an analysis of the nodes to identify likely fraudulent transactions based on one or more of the data elements for each node.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: May 3, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Karthikeyan Kandasamy, Srinivasan Varadharajan, Hemant Deshpande, Prashant Trivedi
  • Patent number: 11321681
    Abstract: Systems and methods described herein may generate a digital payment token associated with a payor-user indicating the status of a payment obligation of the payor-user. The systems and methods may generate a first block containing the digital payment token and append the first block to a blockchain. The systems and methods may receive a confirmation message from a third-party transaction server that the payor-user has either fully or partially fulfilled his or her payment obligation. Based upon the confirmation message, the systems and methods may retrieve the block containing the digital payment token and update the digital payment token to generate an updated digital payment token. The system and methods may generate a second block containing the updated digital payment token to supersede the first block and append the second block to the blockchain. The updated digital payment token may indicate that the digital payment token has expired.
    Type: Grant
    Filed: December 18, 2017
    Date of Patent: May 3, 2022
    Assignee: Northern Trust Corporation
    Inventors: Justin Chapman, Andrew Czupek, Andrew Monks, Anthony Stevens, Arijit Das, Christopher Price, Wayne Hannaway, Zabrina Smith
  • Patent number: 11321790
    Abstract: The subject matter discloses a method, the method comprises receiving an event of capturing a capture of a vehicle; generating a signature of the vehicle from the capture; comparing the signature to a second signature; wherein the second signature is associated with an identified vehicle, the comparing resulting in a level of confidence; and if the level of confidence exceeds a threshold then identifying the vehicle as the identified vehicle.
    Type: Grant
    Filed: April 24, 2019
    Date of Patent: May 3, 2022
    Assignee: Tanku LTD.
    Inventors: Dan Valdhorn, Nadav Maoz, Alon Amster
  • Patent number: 11315119
    Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: April 26, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Jason Paul Hendry, Rodney Kalich, Randall Martin Brandt, Marco Aldo Jimenez, David Perry
  • Patent number: 11315106
    Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: April 26, 2022
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Joshua Edwards, Adam Vukich
  • Patent number: 11315123
    Abstract: A system and method for obtaining user approval for transactions. The system includes an authorization system that is communicably coupled to one or more transaction computer systems that execute at least some transactions that require user approval. When a transaction system is seeking to execute a transaction that requires user approval, the transaction system sends a user approval request to the authorization system. The authorization system then retrieves the user's communication preference from a database and transmits an affirmatively actionable message to the user according to the retrieved communication preference. The messages can include an email with an approval link to click or a text message that the can be replied to. When the authorization system receives confirmation from the user that the user approves the request, the authorization system then transmits approval for the transaction to the appropriate transaction system, which then proceeds to execute the transaction.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: April 26, 2022
    Assignee: Morgan Stanley Services Group Inc.
    Inventors: Brian Ross, Zainab Memon, Jason Barrett
  • Patent number: 11315094
    Abstract: The present disclosure provides an exemplary system, method, and computer program product. The exemplary system includes at least one non-transitory memory storing user account information, wherein the information comprises a digital receipt associated with a user purchase and one or more conditions for delivering the digital receipt. The system further includes one or more hardware processors coupled to the at least one memory and operable to read instructions from the at least one memory to perform the steps of: receiving a payment request from a user; receiving at least one condition from the user for delivering a digital receipt associated with the payment request to at least one recipient; determining whether the at least one condition is satisfied; and delivering the digital receipt to the at least one recipient.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: April 26, 2022
    Assignee: PayPal, Inc.
    Inventor: Giselle Katrina Nevada
  • Patent number: 11310281
    Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: April 19, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Steve E. Hubbard, Sheryl J. Lock, Sue Ellen Moskowitz
  • Patent number: 11308485
    Abstract: In some embodiments, a method for binding a user's information to a user's account with a payment service provider includes receiving a request to pay for a transaction using the user's account with the payment service provider. The request to pay specifies a funding instrument. Additionally, the payment service provider is a source of the funding instrument, and the transaction is between the user and a merchant application. The method also includes generating a common identifier (ID) corresponding to the funding instrument, and generating a payment token corresponding to the common ID and the funding instrument. The common ID is a non-transactable token associated with the merchant application and the user, and the payment token is a non-transactable token that corresponds to the common ID. The method further includes binding the user's payment service provider account to the payment token and the common ID.
    Type: Grant
    Filed: July 15, 2016
    Date of Patent: April 19, 2022
    Assignee: PAYPAL, INC.
    Inventors: Dinesh Agnello Gomes, Nitin Prabhu
  • Patent number: 11308552
    Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: April 19, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joel Eric Boeder, Chris Theodore Kalaboukis, Rameshchandra Bhaskar Ketharaju, Joon Maeng, Ramanathan Ramanathan, Abhijit Rao, Andres J. Saenz, Makarand Shivadevuni
  • Patent number: 11308165
    Abstract: An exemplary point-of-interest merging system accesses point-of-interest data records. Each point-of-interest data record includes data representative of a distinct set of features for a distinct point-of-interest. The merging system generates, based on the distinct sets of features of the point-of-interest data records, a graph data structure that includes the point-of-interest data records and weighted feature relationships interconnecting the point-of-interest data records. The merging system clusters, based on the graph data structure, the point-of-interest data records into subset groups of point-of-interest data records. The merging system generates one or more merged point-of-interest data records based on the clustered subset groups of point-of-interest data records.
    Type: Grant
    Filed: April 26, 2019
    Date of Patent: April 19, 2022
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Wesley Boyer, Aleksei Maximillian Kac, Mark Romanak, Thomas M. Baker, Jr., Jeremy McKay, Jared David Barnes, Rossi Guiliani
  • Patent number: 11301835
    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: January 22, 2019
    Date of Patent: April 12, 2022
    Assignee: Apple Inc.
    Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti
  • Patent number: 11301861
    Abstract: Systems, methods, and computer-readable storage media for monitoring risk levels in continuing to allow a potentially compromised payment card to continue to be used. An exemplary system can include a processor which receives a notification of unauthorized use of a card, retrieves a transaction history of authorized use of the card, and performs predictive modeling based on the transaction history based to determine a predicted transaction amount for future transactions. The system can then determine a risk level of continued use of the card and modify processing of the ongoing transaction based on the risk level. The system can then issue a risk level notification to proper authorities.
    Type: Grant
    Filed: October 21, 2020
    Date of Patent: April 12, 2022
    Assignee: Capital One Services, LLC
    Inventors: Reza Farivar, Vincent Pham, Anh Truong
  • Patent number: 11301921
    Abstract: A system for payment based on a store's intranet, a mobile terminal including a payment function based on a store's intranet, a method for providing a payment service based on a store's intranet, and a program for performing the same are provided. The method includes providing, by a store client, a payment page in a store depending on a request of a user client, receiving, by the store client, a virtual code and order information which are input to the payment page, and transmitting, by the store client, the virtual code and the order information to a payment service server over the Internet.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: April 12, 2022
    Assignee: SSenStone Inc.
    Inventor: Chang Hun Yoo
  • Patent number: 11301820
    Abstract: A method, system, and non-transitory compute readable medium for a fraud detection including a calendar reading device configured to read calendar data of a calendar for a user, a purchase detection device configured to detect an attempted purchase using a credit-card of the user, and a risk detection device configured to detect fraud by calculating a risk based on the calendar data and data related to the attempted purchase.
    Type: Grant
    Filed: April 30, 2019
    Date of Patent: April 12, 2022
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Michael S. Gordon, James Robert Kozloski, Ashish Kundu, Peter Kenneth Malkin, Clifford A. Pickover
  • Patent number: 11301765
    Abstract: Systems and methods for processing machine learning attributes are disclosed. An example method includes: identifying a user transaction associated with a set of transaction attributes and a first transaction status; selecting, based on a risk evaluation model, a first plurality of transaction attributes from the set of transaction attributes; modifying a first value of a first transaction attribute in the first plurality of transaction attributes to produce a first modified plurality of transaction attributes; determining, based on the risk evaluation model, that the first modified plurality of transaction attributes identify a second transaction status different from the first transaction status; and in response to the determining, identifying the first transaction attribute as a risk attribute associated with the user transaction.
    Type: Grant
    Filed: October 18, 2016
    Date of Patent: April 12, 2022
    Assignee: PayPal, Inc.
    Inventors: Ying Lin, Huagang Yin, Jiaqi Zhang
  • Patent number: 11301535
    Abstract: In one embodiment, the present disclosure includes a method for determining a location of a user. In one embodiment, the method includes receiving operation data including character fields and a first identifier. A query that includes the first identifier is sent to a data store. In response to the query, operation types and corresponding count values are received. Character fields from the operation data are converted into tokens. For each of the tokens, a likelihood value and a second identifier specifying a respective machine learning parameter is retrieved. A machine-learning algorithm is configured based on the count values, and the likelihood values and specified parameters are processed by the configured machine-learning algorithm to determine whether the operation data corresponds to the geographic location of a user.
    Type: Grant
    Filed: November 29, 2018
    Date of Patent: April 12, 2022
    Assignee: SAP SE
    Inventors: Nichole Haas, Anikate Singh, Nicolas Patenode, Rama Seera, Robert Quanstrom, Aster Anto, Ketan Shrikhande, Suresh Chinnaswamy
  • Patent number: 11297001
    Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools of the members within the interaction network without having to use the traditional processing networks. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like) that are able to handle both traditional processing, as well as closed loop processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.
    Type: Grant
    Filed: October 8, 2018
    Date of Patent: April 5, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, Charles Russell Kendall, Andrew S. Heiman
  • Patent number: 11288674
    Abstract: Methods for generating fraud detection rules based on transaction data may include receiving historical transaction data, associating tags with each transaction, generating decision trees having root nodes and child nodes operably connected to the respective root nodes, determining at least one primary rule and at least one set of secondary rules associated with the at least one primary rule based on relationships between features of the transactions, assigning primary rules and sets of secondary rules to the at least one decision tree to populate the tree, extracting a plurality of rule sets including at least one primary rule and one or more secondary rules, determining an ordering of the plurality of rule sets; and determining a subset of rule sets from the ordered plurality of rule sets against which subsequently received transactions are compared against to determine if the subsequent transactions are fraudulent.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: March 29, 2022
    Assignees: Visa International Service Association, Roard of Regents, The University of Texas System
    Inventors: Youxing Qu, Yiwei Cai, Dan Wang, Harishkumar Sundarji Majithiya, Roshni Ann Samuel, Susan Finnegan, Claudia Barcenas, Himanshu Chauhan
  • Patent number: 11288665
    Abstract: A blockchain block generated by one or more blockchain nodes when the one or more blockchain nodes are only connected to a local area network is received, and the blockchain block is synchronized with a blockchain. After determining that a backhaul network device is not connected to the one or more blockchain nodes and then determining that the backhaul network device is connected to the one or more blockchain nodes, the blockchain is transmitted to the one or more blockchain nodes via the backhaul network device upon determining that the backhaul network device is connected to the one or more blockchain nodes.
    Type: Grant
    Filed: August 23, 2019
    Date of Patent: March 29, 2022
    Assignee: Ford Global Technologies, LLC
    Inventors: Pramita Mitra, Yifan Chen, Abhishek Sharma, Eric H. Wingfield, James Fishelson
  • Patent number: 11288672
    Abstract: A machine learning engine for fraud detection following link selection may be trained using artificial intelligence techniques and used according to techniques discussed herein. A buyer account may be used to establish and generate a digital gift card having a particular value specified by the buyer. The digital gift card may then be conveyed to another account, such as an email address. The digital gift card may be provided with an online electronic process for redemption and use of the value, for example, by selecting a link and navigating to the process. When the claimer account attempts to utilize the value of the gift card by navigating to the process or otherwise engaging in the electronic process through a device, a risk and fraud analysis engine may execute to determine, based on real-time data of the claimer account, the buyer account, and/or device, whether the digital gift card was generated fraudulently or is being used fraudulently.
    Type: Grant
    Filed: December 28, 2017
    Date of Patent: March 29, 2022
    Assignee: PAYPAL, INC.
    Inventors: Chern Jie Lim, Ziyuan Pan, Jessica Tjong, Oscar Charles Edward Sanderson, Yanfei Dong
  • Patent number: 11282083
    Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.
    Type: Grant
    Filed: July 30, 2018
    Date of Patent: March 22, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Andrey Birukov, Jean-Pierre Gerard
  • Patent number: 11282060
    Abstract: A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.
    Type: Grant
    Filed: October 13, 2020
    Date of Patent: March 22, 2022
    Assignee: ROCKSPOON, INC.
    Inventor: Nagib Georges Mimassi
  • Patent number: 11282070
    Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.
    Type: Grant
    Filed: February 23, 2021
    Date of Patent: March 22, 2022
    Assignee: Worldpay, LLC
    Inventors: Bryan T. Bailey, Edward D. Paciolla
  • Patent number: 11276112
    Abstract: Certain aspects of the present disclosure provide techniques for predicting a transaction time based on user position data. In certain aspects, a method for predicting a transaction time based on user position data includes obtaining a transaction record and one or more user positions associated with a user. The method also includes obtaining one or more business records associated with each respective user position. The method further includes calculating one or more similarity scores, where each similarity score is based on a similarity between a respective business record and the transaction record. The method also includes associating the transaction record with a business record based on a maximum similarity score of the one or more similarity scores. The method further includes determining a predicted transaction time for the transaction record based on at least a timestamp of a user position associated with the business record associated with the transaction record.
    Type: Grant
    Filed: March 26, 2018
    Date of Patent: March 15, 2022
    Assignee: INTUIT INC.
    Inventor: Grace Wu
  • Patent number: 11276279
    Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications using augmented reality. A method includes capturing, by a user device, an image of the ATM, determining a probability that the ATM has been compromised, augmenting the image of the ATM in a manner which reflects the probability that the image has been compromised, and displaying the augmented image on a user interface of the user device.
    Type: Grant
    Filed: September 14, 2020
    Date of Patent: March 15, 2022
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Robert Hamchuck, Chris Kalaboukis, Andrew L. Martinez
  • Patent number: 11276124
    Abstract: Computer-implemented machine learning (ML)-based techniques for detecting payroll fraud are provided. In one set of embodiments, these techniques employ a number of ML algorithms to evaluate different types of fraud-relevant data in different ways, such as outliers in salary increases, payment patterns, and so on. In some cases, the ML algorithms may be chained such that the output of one ML algorithm feeds as input into another. The results of these ML algorithms (or chains of algorithms) are fed into a neural network-based final evaluation engine that outputs an indication of whether a given employee is suspicious and should be audited as a potential payroll fraud case.
    Type: Grant
    Filed: July 2, 2019
    Date of Patent: March 15, 2022
    Assignee: SAP SE
    Inventor: Jan Schrage