Requiring Authorization Or Authentication Patents (Class 705/44)
  • Patent number: 10270986
    Abstract: Various methods and systems are disclosed for near-infrared video compositing techniques and an associated immersive video environment. In an example, a system includes: a dual camera system having a visible light camera and an infrared camera to capture light from a field of view; and a display screen to reflect a video output projected from a display source. In this system configuration, the display screen is arranged relative to the dual camera system to allow infrared light and visible light from a field of view to travel through the display screen and reach the cameras of the dual camera system. In an example, the video output provides real-time video captured from the visible light camera, an information from the infrared camera is used to create a matte of an object in the field of view within the real-time video captured from the visible light camera.
    Type: Grant
    Filed: September 22, 2017
    Date of Patent: April 23, 2019
    Assignee: Feedback, LLC
    Inventors: Hamilton Lovemelt, Geoffrey Schuler
  • Patent number: 10262527
    Abstract: An apparatus, method and computer program for performing an at least partially automated commissioning of a lighting device at installation. The apparatus comprises: a wireless interface for communicating over a pre-existing public wireless network, pre-existing at said installation; a positioning module for determining a location of the lighting device; and a local control module. As part of said commissioning, the local control module determines the location of the lighting device using the positioning module, and transmits commissioning information to a register of a lighting management system by transmitting the commissioning information over the pre-existing public wireless network via the wireless interface. The commissioning information comprises an identifier of the apparatus along with the location of the lighting device as determined using the positioning system.
    Type: Grant
    Filed: March 10, 2015
    Date of Patent: April 16, 2019
    Assignee: SIGNIFY HOLDING B.V.
    Inventors: Christian Benien, Marinus Jan De Putter
  • Patent number: 10255447
    Abstract: Disclosed herein are a secure message-sending method using a personalized template and an apparatus using the method. A personalized template for a message service is acquired from a user. A personalized message to be sent to a terminal of the user is generated based on the personalized template. A secure message is generated by obfuscating the personalized message in accordance with the personalized template, and the secure message is sent to the terminal. Accordingly, it is possible to provide secure messages without requiring the construction of separate infrastructure.
    Type: Grant
    Filed: December 13, 2016
    Date of Patent: April 9, 2019
    Assignee: SK PLANET CO., LTD.
    Inventor: Ju-Tae Kim
  • Patent number: 10248771
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving an enrollment biometric identifier of a user. Determining a matching threshold based on a characteristic of the enrollment biometric identifier of the user. Storing the matching threshold in an enrollment profile for the use in association with the enrollment biometric identifier.
    Type: Grant
    Filed: January 23, 2015
    Date of Patent: April 2, 2019
    Assignee: MicroStrategy Incorporated
    Inventors: Siamak Ziraknejad, Ren-Jay Huang, Burak Sahin
  • Patent number: 10225278
    Abstract: A method of assessing the security of a user's connection to a Sequenced Packet Exchange (SPX) network and the user's consumption of services via the SPX network. The invention includes digitally accessing a plurality of network nodes and obtaining data transmissions through said plurality of network nodes. Each transmission corresponds to a security implementation of a current state of the user's connection or consumption of SPX services. A coefficient is determined for each security implementation, wherein the coefficient corresponds to a weight given to each security implementation in determining a level of security of the user's connection or consumption. A security score representative of the level of security of the user's connection is calculated as a function of the security implementation and their corresponding coefficients. The security score is output to the user.
    Type: Grant
    Filed: September 18, 2018
    Date of Patent: March 5, 2019
    Assignee: Syniverse Technologies, LLC
    Inventor: Kathiravan Kandasamy
  • Patent number: 10225249
    Abstract: A method and platform for preventing unauthorized access to an application server comprises collecting access data associated with an organization, anonymizing the access data, creating identifying keys which allow the anonymized access data to be matched to its associated users, storing the identifying keys at a secure location associated with the organization, transferring the anonymized access data to an access data warehouse, and performing an analysis on the anonymized access data. The access data warehouse can be maintained in a cloud computing environment, and may aggregate anonymized access data from a plurality of organizations. An organization may detect abnormal usage patterns by analyzing its usage data and the anonymized usage data of further organizations, and may use the abnormal usage patterns to predict future events, for example intrusion attempts. An organization can automatically generate protective measures against potential threats associated with abnormal usage patterns.
    Type: Grant
    Filed: November 12, 2014
    Date of Patent: March 5, 2019
    Assignee: GreyHeller, LLC
    Inventors: Chris Heller, Larry Grey
  • Patent number: 10216930
    Abstract: Facilities are provided herein to address application phishing by determining whether an application is a legitimate application it purports to be. Optical code(s) are displayed on a display device in association with an application to be authenticated for a user as being a legitimate application. Based on imaging the optical code(s) using a camera of a device of a user, data of the optical code(s) are obtained. It is automatically determines, based on the obtained data of the optical code(s), whether the application to be authenticated is authenticated as being the legitimate application, and based on this, an indication of whether the application is authenticated as being the legitimate application is provided for the user by the device.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: February 26, 2019
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Vijay Ekambaram, Sarbajit K. Rakshit
  • Patent number: 10216914
    Abstract: A method and system determines a probability that a mobile device is in use by a first user. Sensors of a mobile device are used to detect and quantify human activity and habitual or behavior traits. A collection of such habitual human trait values identifying a first user of the device are memorized during a training and learning period. During subsequent periodic predictive periods, a new collection of like habitual trait values of the current user of the device, when captured and compared with memorized values of the first user of the device relative to time, uniquely identify the person in possession of the mobile device as being or not being the first user of the device. By associating this knowledge with a unique device known to be assigned to the first user of the device, it becomes possible to confirm identity without risk of impersonation.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: February 26, 2019
    Inventor: Richard James Hallock
  • Patent number: 10212538
    Abstract: A method for validating UE location includes receiving, at a network gateway, a signaling message for updating a location of a UE with a mobile communications network. A first indication of user equipment location is extracted from the signaling message. One of: a cloud-based UE location database containing UE location information obtained from a UE location reporting application resident on the UE, a cloud-based loyalty card transaction database containing loyalty card transaction records indexed by UE identifiers, and a mobile location center (MLC) that obtains UE location information by requesting or receiving the UE location information from a mobility management entity (MME) is queried to obtain a second indication of location of the UE. It is determined from a relationship between the first and second indications of location of the UE that the signaling message is suspicious.
    Type: Grant
    Filed: June 28, 2017
    Date of Patent: February 19, 2019
    Assignee: Oracle International Corporation
    Inventor: Travis Earl Russell
  • Patent number: 10210685
    Abstract: A voice biometric analysis system for authenticating a customer as am authorized payment card user to a merchant over a communications network includes a passive voice biometric analysis device configured to: store a plurality of respective voice samples of enrolled authorized payment card users; sample a verbal conversation between the customer and the recipient over the communications network; analyze the customer's voice characteristics from the monitored verbal conversation; compare, during the conversation, the analyzed customer's voice characteristics in the monitored verbal conversation to characteristics of at least one of the stored voice sample to authenticate the customer as one of the enrolled authorized payment card users; and advise the merchant whether the customer has been authenticated as an enrolled authorized payment card user.
    Type: Grant
    Filed: May 23, 2017
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Wayne A. Borgmeyer
  • Patent number: 10201752
    Abstract: A system is described for interactively analyzing plays of a sporting event based on real-world positional tracking data. Using positional information regarding the players and/or ball and/or other objects obtained from a tracking system, along with identified event data and contextual information, the system processes a library of plays (e.g., one or more seasons' worth of a league's contests) into a searchable database of plays using multiple alignment templates and discriminative clustering techniques. A user interface is described for interacting with the database in a graphical manner, whereby users can query a graphical depiction of a play and receive the most similar plays from the library, along with statistical information relating to the plays. The user interface further permits the user to modify the query graphically (e.g., moving or exchanging players, ball trajectories, etc.) and obtain updated statistical information for comparison.
    Type: Grant
    Filed: December 14, 2016
    Date of Patent: February 12, 2019
    Assignee: STATS LLC
    Inventors: Patrick Lucey, Long Sha, Xinyu Wei
  • Patent number: 10195992
    Abstract: Example obstacle detection systems and methods are described. In one implementation, a method receives data from at least one sensor mounted to a vehicle and creates a probabilistic grid-based map associated with an area near the vehicle. The method also determines a confidence associated with each probability in the grid-based map and determines a likelihood that an obstacle exists in the area near the vehicle based on the probabilistic grid-based map.
    Type: Grant
    Filed: April 3, 2017
    Date of Patent: February 5, 2019
    Assignee: FORD GLOBAL TECHNOLOGIES, LLC
    Inventors: Marcos Paul Gerardo Castro, Dongran Liu, Sneha Kadetotad, Jinesh J Jain
  • Patent number: 10198729
    Abstract: Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one request for personal information from a party to a transaction; evaluating the transaction; and negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.
    Type: Grant
    Filed: December 29, 2011
    Date of Patent: February 5, 2019
    Assignee: Elwha LLC
    Inventors: Marc E. Davis, Matthew G. Dyor, William Gates, Xuedong Huang, Roderick A. Hyde, Edward K. Y. Jung, Jordin T. Kare, Royce A. Levien, Richard T. Lord, Robert W. Lord, Qi Lu, Mark A. Malamud, Nathan P. Myhrvold, Satya Nadella, Daniel Reed, Harry Shum, Clarence T. Tegreene, Lowell L. Wood, Jr.
  • Patent number: 10198731
    Abstract: Various embodiments are related to apparatuses and methods for basing actions on a location of a card swipe. A computer system receives information indicative of a location of a mobile device associated with a customer at a time corresponding to a swipe of a payment card at a card reader of a merchant. The location information can indicate, for example, the location of the mobile device as being at a GPS coordinate, or at a merchant's place of business. When the location information indicates that the mobile device and the card swipe are located near to each other, or are both located at the same merchant's place of business, a reduced level of fraud analysis can be used when authorizing the purchase transaction. A targeted ad can be sent to a mobile device associated with the customer based on the location of the card reader used for the card swipe.
    Type: Grant
    Filed: February 18, 2014
    Date of Patent: February 5, 2019
    Assignee: Square, Inc.
    Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
  • Patent number: 10194005
    Abstract: The invention relates to a method to retrieve personal customer data of a customer for delivering online service to said customer, with the steps:—a service supplier (3) initiates the sending of a network identifier (51) of a mobile node (5), used to communicate with the online service supplier (3) and bound to the customer by a mobile network operator (7), to an application programming interface (API) platform (9) with a request to manage the customer data,—the API platform (9) identifies the mobile network operator (7) of the mobile node (5), and forwards the network identifier (51) and request to retrieve the customer data to said mobile network operator (7) of the mobile node (5),—the mobile network operator (7) uses the network identifier to identify the customer and sends the requested personal customer data contained in a data repository of the mobile network operator to the API platform (9),—the service supplier (3) retrieves the personal customer data at the API platform (9).
    Type: Grant
    Filed: January 30, 2013
    Date of Patent: January 29, 2019
    Assignee: Alcatel Lucent
    Inventor: Philippe Virieux
  • Patent number: 10185814
    Abstract: Methods, apparatuses, computer program products, devices and systems are described that carry out accessing at least one persona that includes a unique identifier that is at least partly based on a first user's device-identifier data and the first user's network-participation data; verifying the persona by comparing the first user's device-identifier data and the first user's network-participation data of the unique identifier to a second user's device-identifier data and the second user's network-participation data; and presenting the persona in response to a request for personal information.
    Type: Grant
    Filed: December 30, 2011
    Date of Patent: January 22, 2019
    Assignee: Elwha LLC
    Inventors: Marc E. Davis, Matthew G. Dyor, William Gates, Xuedong Huang, Roderick A. Hyde, Edward K. Y. Jung, Jordin T. Kare, Royce A. Levien, Richard T. Lord, Robert W. Lord, Qi Lu, Mark A. Malamud, Nathan P. Myhrvold, Satya Nadella, Daniel Reed, Harry Shum, Clarence T. Tegreene, Lowell L. Wood, Jr.
  • Patent number: 10187773
    Abstract: Devices, systems, and method are provided for wireless coded communication (WCC) devices, which are configured for wireless communication with other devices, e.g., over a network. A WCC device is a type of internet of things (IOT) device that can sense data, process data, send data, respond to data requests and exchange data with other WCC device, a network device, a user device, and/or systems over the internet. In some configurations, a WCC device may include a power source that enables usage of low power, e.g., to send data that is sensed, request data and/or communicate data wirelessly. WCC devices maybe function as standalone devices or may be integrated into other devices. In some configurations, a WCC device may include power harvesting circuitry, including power harvesting user controls. A WCC device may be pre-configured or coded to report occurrence of an event, log an event, log state, cause an action, send a message or request data from one or more end nodes.
    Type: Grant
    Filed: July 23, 2016
    Date of Patent: January 22, 2019
    Inventors: Gary M. Zalewski, Albert S. Penilla
  • Patent number: 10185961
    Abstract: A service provider receives, from a merchant device, a geotagged image of a payment instrument, such as a credit card, provided to the merchant by a buyer for payment. It first determines the validity of the payment instrument using the captured image and then assesses the validity of the claimed purchase transaction by comparing the GPS data in the geotagged image, representing the geotagging location, with a separately transmitted GPS data, representing the location of transmitting the geotagged image. For further assessment, it may further compare the time of geotagging the image with the time of transmitting the image. The service provider then determines on the overall validity of the claimed purchase transaction based on the determination on the validity of the payment instrument and the assessment results, and if it determines the purchase transaction is valid, processes requested payment to the merchant's account.
    Type: Grant
    Filed: April 25, 2016
    Date of Patent: January 22, 2019
    Assignee: PAYPAL, INC.
    Inventor: Jeremiah Akin
  • Patent number: 10169695
    Abstract: A method and system for transacting with a removable marking element is disclosed. A removable marking element including credentials can be associated with an account. A user can activate and manage the account via a mobile device. The mobile device can access the account by providing a product identifier. A product identifier may be provided in removable marking element packaging. For example, the product identifier may be encoded in a machine readable code on the packaging.
    Type: Grant
    Filed: June 24, 2016
    Date of Patent: January 1, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jillian Friant, Angela Moore
  • Patent number: 10169558
    Abstract: In one embodiment, a method includes receiving an ordered sequence of biometric inputs from a user via a biometric sensor, determining if each of the ordered sequence matches a corresponding entry stored in a table that includes a stored ordered sequence of biometric inputs corresponding to a password pattern of the user, and if so, enabling the user to access the processing system, otherwise preventing the user from accessing the processing system. Other embodiments are described and claimed.
    Type: Grant
    Filed: September 30, 2009
    Date of Patent: January 1, 2019
    Assignee: Intel Corporation
    Inventors: Zuo Huang, Qunzhong Zhang, Kai Gui, Tobias M. Kohlenberg
  • Patent number: 10164988
    Abstract: A system and method of external link processing is disclosed. The system includes an interface configured to receive a user request to access an encoded external link in networked content. The encoded external link comprises a domain name of an external link server and an encoded portion which is an encoded result of an original external link encoded with an encoding function, wherein the original external link is an address to an external destination. One or more processors determine a safety level of the encoded external link using a criterion. In the event that the determined safety level of the encoded external link is determined unsafe, a warning message is generated indicating that the original external link is unsafe and the user is prevented from directly navigating to the original external link.
    Type: Grant
    Filed: July 22, 2016
    Date of Patent: December 25, 2018
    Assignee: Alibaba Group Holding Limited
    Inventors: Jiawei Liu, Jinhua Wang, Chenming Hua
  • Patent number: 10163120
    Abstract: Loyalty programs can be operated within a payment processing system having multiple vendors, thereby providing access to detailed transaction data and with the flexibility for customization of the loyalty programs themselves, by establishing a communication for the transfer of data via a customer-facing channel. When the payment processing system processes a transaction between a merchant and an account holder, in addition to obtaining payment for the merchant from the account via an acquirer and an issuer, respectively, a transaction handler tabulates and stores different types of loyalty currencies in a loyalty reward account associated with the account holder if the account holder is enrolled in a loyalty program and criteria for applying the loyalty program are satisfied. The account holder is provided access to the loyalty account via the customer-facing channel.
    Type: Grant
    Filed: June 30, 2017
    Date of Patent: December 25, 2018
    Assignee: Visa U.S.A. Inc.
    Inventor: Edward W. Fordyce, III
  • Patent number: 10164462
    Abstract: A digital controller controls contingency discharges of a utility from a reservoir to a plant during a first time period and compensatory charges from the plant back to the reservoir during a second time period. The utility can be electric power. The plant and reservoir are connected by a grid. The reservoir may be any electric power storage device. When the utility is electric power, the contingency discharges make up for the power not generated by the plant due to an accident. The compensatory charges replenish the reservoir. The digital controller may use a sectionally linear transfer function with a maximum to control the compensatory charges based on the contingency discharges. The transfer function may be balanced using a trim function so that on average, the compensatory charges will make up for the contingency discharges.
    Type: Grant
    Filed: May 10, 2018
    Date of Patent: December 25, 2018
    Assignee: Applied Underwriters, Inc.
    Inventors: Justin N. Smith, Mark S. Nowotarski
  • Patent number: 10163093
    Abstract: An information device makes a payment with a payment terminal through a contactless communication, using amount data of an electronic purse function of a mobile device. The mobile device with the electronic purse function permits the information device to be used for performing payment processing with the payment terminal, using amount data of the electronic purse function of the mobile device. A wearable information device includes an image taking unit configured to take an image of an object in the direction of line of vision of a user, and notifies the information device of the presence or absence of the information device in a taken image. The information device makes a payment with the payment terminal through a contactless communication based on the notification from the wearable information device of the presence or absence of the information device.
    Type: Grant
    Filed: September 19, 2014
    Date of Patent: December 25, 2018
    Assignee: CASIO COMPUTER CO., LTD.
    Inventors: Kimiyasu Mizuno, Tsuyoshi Minami, Hideo Suzuki, Takashi Suenaga, Keiichi Nomura, Shuhei Uchida, Munetaka Seo, Itsuki Yamashita
  • Patent number: 10165393
    Abstract: A system for monitoring resource utilization and optimization includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of a resource application and/or a physical transaction related to the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application to transmit information about the resource application to a user device.
    Type: Grant
    Filed: May 27, 2016
    Date of Patent: December 25, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Alicia C. Jones-McFadden, Joseph Benjamin Castinado, Matthew Eugene Clark
  • Patent number: 10157504
    Abstract: The present disclosure relates to a visual display system for manipulating images of a real scene using augmented reality. In one implementation, the system may include at least one processor in communication with a first mobile device; and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving a request from a mobile device to access an account of a user, receiving a first image depicting a real scene from an image sensor of the mobile device, receiving a selection of a virtual object, receiving an augmented reality image comprising the virtual object overlaid on the first image, comparing the augmented reality image to one or more stored augmented reality images, authenticating the user based on the comparison, and authorizing access to the user account based on the authentication.
    Type: Grant
    Filed: June 5, 2018
    Date of Patent: December 18, 2018
    Assignee: Capital One Services, LLC
    Inventor: Chintan Jain
  • Patent number: 10152709
    Abstract: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.
    Type: Grant
    Filed: September 14, 2017
    Date of Patent: December 11, 2018
    Assignee: Capital One Services, LLP
    Inventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
  • Patent number: 10152711
    Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.
    Type: Grant
    Filed: August 1, 2013
    Date of Patent: December 11, 2018
    Assignee: Worldpay, LLC
    Inventors: Matthew D. Ozvat, Nicholas G. Nayfack, John Berkley, Travis L. Priest, Michelle K. Plomske, Charles E. Watts, Robert Bonestell, Daniel Ourada, Kevin Oliver
  • Patent number: 10146804
    Abstract: Embodiments of the present invention generally relate to the field of computer implemented methods, software development, and software integration. Specifically, this invention comprises computer implemented applications and methods providing the management and control needed to augment data from different data sources by adding enhancements generated by any number of technologies supported by the invention.
    Type: Grant
    Filed: July 17, 2013
    Date of Patent: December 4, 2018
    Inventors: Juan Jose Celaya, Leonardo Andres Carbone, Richard Lee King, Daniel Eduardo Capeluto
  • Patent number: 10148631
    Abstract: The disclosed computer-implemented method for preventing session hijacking may include (1) determining that a user is attempting to complete at least a portion of an authentication session on a first computing system, (2) using input from one or more input devices of the first computing system to obtain environmental context associated with the user's attempt to complete the authentication session, (3) preventing the authentication session from authenticating the user while using the environmental context to determine whether the authentication session is valid, where using the environmental context to determine whether the authentication session is valid includes (a) transmitting the environmental context to a second computing system and (b) requesting an indication of whether, based on an evaluation of the environmental context at the second computing system, the authentication session is valid. Various other methods, systems, and computer-readable media are also disclosed.
    Type: Grant
    Filed: September 29, 2015
    Date of Patent: December 4, 2018
    Assignee: Symantec Corporation
    Inventors: Ilya Sokolov, Kevin Jiang
  • Patent number: 10139903
    Abstract: Embodiments relate to displaying textual data. Aspects of the embodiments includes receiving a request to display textual data and displaying textual data in a region within a display area. Displaying textual data includes sequentially presenting successive components of the textual data at a fixed position relative to the display area. Aspects of the embodiments also includes monitoring a point of gaze of a user based on biometric information, and based on detecting that the point of gaze is away from the region, automatically stopping the displaying by the processor at a time point corresponding to a current component, and determining a previous component of the textual data displayed at a previous time point. Aspects of the embodiments further include, based on detecting that the point of gaze has returned to the region, commencing by the processor the displaying at the previous component and continuing to display successive components of the textual data.
    Type: Grant
    Filed: September 25, 2015
    Date of Patent: November 27, 2018
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Eli M. Dow, Thomas D. Fitzsimmons, Emily M. Metruck, Charles J. Stocker, IV
  • Patent number: 10140615
    Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.
    Type: Grant
    Filed: September 22, 2015
    Date of Patent: November 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Andrew Carpenter, Glen Leon Powell
  • Patent number: 10140616
    Abstract: Rules, applied to deny authorization of likely fraudulent transactions, are derived from a modified Patient Rule Induction Method algorithm that uses a target variable and a data set of past transactions each associated with a plurality of input variables and a hyper-rectangle enclosing a multi-dimensional space defined by a representation of the input variable values as points within the multi-dimensional space. While a count of the points within the hyper-rectangle is greater than a minimum support parameter, a first plurality of points proximal to edges of the hyper-rectangle are removed, where each such removing maximizes a mean value of the target variable, and then, while the mean value remains maximized, a second plurality of points proximal to the edges is added, where each adding maximizes or maintains the mean value. The hyper-rectangle is bounded within a minimum bounding box that defines the rules.
    Type: Grant
    Filed: December 11, 2017
    Date of Patent: November 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Frederick Liu, Nancy Hilgers, Mark Nelsen, Kevin Siegel, Christopher Brown, Thomas Dwyer
  • Patent number: 10140613
    Abstract: Methods and systems for translating account data from a converted account portfolio during a transaction initiated by a cardholder using a payment card are provided. The method may be implemented using a translation service computing device. The method includes storing first account data in a memory along with a corresponding translation identifier, the first account data associated with a first payment processing network (PPN), and receiving, at the TS computing device, an authorization request message. The authorization request message includes transaction data associated with the transaction and second account data, including the translation identifier, associated with the payment card and a second PPN.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: November 27, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Dana J. Lorberg
  • Patent number: 10136317
    Abstract: Disclosed in an embodiment of the present application is an information pushing method, comprising: a wireless network sharer client obtaining a first identifier of a wireless network selected from a wireless network list scanned/stored by a wireless network sharer terminal, and sending the same to a server; the server generating a second identifier and sending the same to the wireless network sharer client; the wireless network sharer changing the first identifier of the wireless network into a third identifier based on the second identifier; the wireless network sharer client obtaining a wireless network list updated by a wireless network sharer mobile terminal and sending the third identifier of the selected wireless network in the list to the server; and the server comparing the second identifier with the third identifier, and allowing successful authentication when the two identifiers are consistent, and registering information about the devices of the wireless network.
    Type: Grant
    Filed: July 17, 2015
    Date of Patent: November 20, 2018
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Jianbo Zhou, Yibin Xiong, Chao Xiu, Ming Wu
  • Patent number: 10134234
    Abstract: The present invention relates to a system and method for integrating player tracking and cash access in a casino or other gaming environment. One aspect of the invention allows for fund access and management wherein gaming machines, such as slot machines or on-line virtual gaming machines, receive playable credits directly from a patron's banking or credit card account. Another aspect of the present invention relates to integrating player tracking and cash access transactions by allowing the players to provide a player tracking card for each financial transaction conducted in a gaming environment. In return, the casino issues gaming or bonus points to the players for allowing their transactions to be tracked. Yet another aspect of the present invention consolidates the players' financial account information into a single casino database.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: November 20, 2018
    Assignee: Everi Payments Inc.
    Inventors: Mike LeStrange, Richard Beer, Craig Potts, Tim Richards
  • Patent number: 10121195
    Abstract: Systems, methods, and apparatus for confirming trade actions are disclosed. An example method includes displaying a trade action cell corresponding with a trade action, receiving an initiation command, determining that the trade action was initiated based on the initiation command, receiving a confirmation command, wherein the confirmation command is a selection of the same trade action cell, and executing the trade action based on reception of the confirmation command.
    Type: Grant
    Filed: February 7, 2012
    Date of Patent: November 6, 2018
    Assignee: Trading Technologies International, Inc.
    Inventors: Stephen P. Decker, Brien D. Grey
  • Patent number: 10122719
    Abstract: Various systems and methods for authenticating a user are described herein. A system comprises a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receive at a server from a first user device, a first authentication token; receive at the server from a second user device, a second authentication token; authenticate the user based on the first and second authentication tokens; and establish a communication session from the server to the first user device when the user is authenticated.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: November 6, 2018
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Dominik Vltavsky, Miranda C. Hill, Gary Brewer, Markell J Dvorak
  • Patent number: 10122533
    Abstract: A host machine operated for a specific purpose can have restricted access to other components in a multi-tenant environment in order to provide for the security of the host machine. The access restriction can prevent the host machine from obtaining updates to critical system-level configurations, but such information can be obtained through a signed command received to an API for the host machine. The command can be signed by a quorum of operators, and the host machine can be configured to verify the signatures and the quorum before processing the command. The host machine can store the updates to ephemeral storage as well as persistent storage, such that upon a reboot or power cycle the host machine can operate with current configuration data.
    Type: Grant
    Filed: December 15, 2015
    Date of Patent: November 6, 2018
    Assignee: Amazon Technologies, Inc.
    Inventors: Justin Lee Werner, Gregory Alan Rubin, Matthew John Campagna, Michael Bentkofsky
  • Patent number: 10115082
    Abstract: A device (12, 312, 494) operates to cause financial transfers responsive to data read from data bearing records. The device includes a reader (20, 314) that is usable to read check data from financial checks. The reader is also usable to read record document data associated with goods provided to a purchaser. At least one circuit (54, 332) of the device is operative to cause a determination to be made that check data and/or record document data corresponds to stored data. Responsive to the determination, check data and record data is made available to a payee terminal (346).
    Type: Grant
    Filed: April 11, 2017
    Date of Patent: October 30, 2018
    Assignee: DADESYSTEMS, INC.
    Inventors: David L. Wilson, Douglas M. Hathaway, Carlos Rodriguez Buehl, Pilar E. Rodriguez
  • Patent number: 10102362
    Abstract: An efficient, secured and robust system and method for information security and privacy protection of smart devices, by silent biometric authentication mechanism, is disclosed. The system includes a sensing module associated with biometric sensors, a client module associated with processing engine and an authentication module for silently identifying unauthorized users and managing device security without compromising users' device-experience. The system is also configured with a security action module for tackling an intruder, detecting the source of attack and notifying the authorized user of such an attack.
    Type: Grant
    Filed: December 24, 2015
    Date of Patent: October 16, 2018
    Assignee: RELIANCE JIO INFOCOMM LIMITED
    Inventors: Gulprit Singh, Karan Sachan
  • Patent number: 10102521
    Abstract: A method, system, and computer readable medium for managing a financial transaction of a user at a merchant, including authenticating the user via a device of the user while the user is at the merchant; transmitting activation information for activating an account number of the user from the user device to a financial institution for processing financial transactions, while the user is authenticated; submitting a payment request including the account number to the financial institution from the merchant, while the account number is activated; and de-activating the account number after the payment request is processed by the financial institution. The financial institution only accepts and processes payment requests received from merchants while the account number is activated, and the financial institution declines payment requests while the account number is de-activated.
    Type: Grant
    Filed: December 20, 2010
    Date of Patent: October 16, 2018
    Assignee: Gula Consulting Limited Liability Company
    Inventors: Daniel Y. Fung, Stephen C. Evans
  • Patent number: 10091194
    Abstract: A computing platform may receive, from a client portal server, a request to authenticate a first user to a first user account. The computing platform may generate a first one-time passcode for a first computing device associated with the first user account and may send, to the first computing device, the first one-time passcode. The computing platform also may generate a second one-time passcode for a second computing device associated with the first user account and may send, to the second computing device, the second one-time passcode. Thereafter, the computing platform may receive first one-time passcode input and second one-time passcode input, which the computing platform may validate. Based on the validating, the computing platform may generate a validation message directing the client portal server to provide the first user with access to the first user account, which the computing platform may send to the client portal server.
    Type: Grant
    Filed: May 12, 2016
    Date of Patent: October 2, 2018
    Assignee: Bank of America Corporation
    Inventors: Elizabeth S. Votaw, Andrew T. Keys
  • Patent number: 10089683
    Abstract: A system, apparatus, and method for reducing fraud in payment or other transactions by providing issuers with a warning that a transaction being processed for authorization is potentially fraudulent. In some embodiments, the present invention processes data obtained from a consumer authentication process that is used in card not present (CNP) transactions to determine characteristics or indicia of fraud from previous transactions. The characteristics or indicia of fraud can be used to generate a set of fraud detection rules or another form of fraud assessment model. A proposed transaction can then be evaluated for potential fraud using the fraud assessment model.
    Type: Grant
    Filed: October 13, 2010
    Date of Patent: October 2, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Benedicto Hernandez Dominguez
  • Patent number: 10084775
    Abstract: Obtaining and/or validating time-varying representations for user credentials at client devices is described.
    Type: Grant
    Filed: May 1, 2017
    Date of Patent: September 25, 2018
    Assignee: MicroStrategy Incorporated
    Inventors: Hector Vazquez, Gang Chen, Sergey Mironenko
  • Patent number: 10078837
    Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: September 18, 2018
    Assignee: Visa International Service Association
    Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
  • Patent number: 10073682
    Abstract: A local scope definition associated with a first node in a hierarchical application tree is received. A qualified hierarchical application tree, which is a pruned version of the hierarchical application tree, is determined for a set of one or more evaluated scopes, including by propagating the local scope definition to a second node which is a child of the first node. A qualified application is generated, including by evaluating application instructions included in the qualified hierarchical application tree using the set of evaluated scopes.
    Type: Grant
    Filed: March 22, 2016
    Date of Patent: September 11, 2018
    Assignee: EMC IP Holding Company LLC
    Inventor: Sachin G. Totale
  • Patent number: 10068235
    Abstract: An automated purchase transaction analyzes a purchase transaction using a probability model to determine a probability that the transaction is fraudulent. If the probability exceeds a threshold, the transaction may be manually reviewed to determine whether to freeze the account associated with the transaction. When introducing the model, the threshold may be set to a relatively high value so that a small number of transactions are submitted for manual review. After a period of time, the observed freeze rate resulting from manual reviews is compared to a target freeze rate. The threshold is then adjusted upwardly or downwardly to decrease the difference between the observed and target freeze rates.
    Type: Grant
    Filed: June 14, 2016
    Date of Patent: September 4, 2018
    Assignee: Square, Inc.
    Inventors: Brian Boates, Rensheng Zhou, Melissa Dalis
  • Patent number: 10070251
    Abstract: A method for validating UE location includes receiving, at a network gateway, a signaling message for updating a location of a UE with a mobile communications network. A first indication of user equipment location is extracted from the signaling message. One of: a cloud-based UE location database containing UE location information obtained from a UE location reporting application resident on the UE, a cloud-based loyalty card transaction database containing loyalty card transaction records indexed by UE identifiers, and a mobile location center (MLC) that obtains UE location information by requesting or receiving the UE location information from a mobility management entity (MME) is queried to obtain a second indication of location of the UE. It is determined from a relationship between the first and second indications of location of the UE that the signaling message is suspicious.
    Type: Grant
    Filed: June 28, 2017
    Date of Patent: September 4, 2018
    Assignee: Oracle International Corporation
    Inventor: Travis Earl Russell
  • Patent number: 10062079
    Abstract: A method for utilizing a non-transactable account identifier with a payment token is disclosed. The non-transactable account identifier can have the same format as a primary account number (PAN) and the payment token, but is not used to conduct a payment transaction.
    Type: Grant
    Filed: November 16, 2017
    Date of Patent: August 28, 2018
    Assignee: Visa International Service Association
    Inventors: Phillip Kumnick, Joseph Bjorn Ovick, Chandra Srivastava