Requiring Authorization Or Authentication Patents (Class 705/44)
  • Patent number: 10666752
    Abstract: Aspects of the disclosure relate to implementing and using a data processing system to provide real-time data to improve event delivery timing. A computing platform may establish respective connections with and receive, via a communication interface, (i) from collection of subordinate user computing devices, information defining a first event; (ii) from collection of supervisory user computing devices, supervisory information associated with the first event; and (iii) from a first participant computing device, first participant information associated with delivery of the first event. The computing platform may execute an algorithm for aggregating the information defining the first event and the supervisory information, and generating a formatted alert based thereon. The formatted alert may be transmitted for display on the first participant computing device.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: May 26, 2020
    Assignee: Bank of America Corporation
    Inventors: Susan Varghese, William August Stahlhut, Mohamed A. Gahnoog, Katherine Dintenfass, Minh N. Vuong, Cameron Darnell Wadley
  • Patent number: 10664847
    Abstract: Aspects of the disclosure relate to implementing and using a data processing system to provide real-time data to improve event delivery timing. A computing platform may establish respective connections with and receive, via a communication interface, (i) from a subordinate user computing device, information defining a first event; (ii) from a supervisory user computing device, supervisory information associated with the first event; and (iii) from a first participant computing device, first participant information associated with delivery of the first event. The computing platform may execute an algorithm for comparing the information defining the first event, the supervisory information, and the first participant information, and generating a formatted alert based thereon. The formatted alert may be transmitted for display on the subordinate user computing device and/or the supervisory user computing device.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: May 26, 2020
    Assignee: Bank of America Corporation
    Inventors: Susan Varghese, William August Stahlhut, Mohamed A. Gahnoog, Katherine Dintenfass, Minh N. Vuong, Cameron Darnell Wadley
  • Patent number: 10664825
    Abstract: Image data from two different devices is used to identify a physical interaction between two users to authenticate a digital interaction between the users.
    Type: Grant
    Filed: July 25, 2018
    Date of Patent: May 26, 2020
    Assignee: Sony Interactive Entertainment Inc.
    Inventors: Michael Taylor, Glenn Black, Javier Fernandez Rico
  • Patent number: 10657596
    Abstract: A method may include receiving image data representative of cash acquired via one or more image sensors, identifying a first currency depicted in the cash based on a plurality of images associated with a plurality of currencies, and determining a currency conversion rate between the first currency and a second currency. The method may also include generating a visualization representative of a currency value of the cash in the second currency based on the currency conversion rate and overlaying the visualization on the image data.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: May 19, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Carlos J P Chavez, David Jason Anderson James, Rachel Elizabeth Csabi, Quian Jones, Andrea Marie Richardson
  • Patent number: 10650434
    Abstract: A budget-constrained, machine-learning system is described that creates a shopping (purchase) list and performs on-line ordering and delivery. It receives the shopper's past purchase receipts from a retail store, pharmacy and/or auto center. It may attach to a web server to acquire on-line browsing information. The system creates a Purchase List from acquired information. The system receives a budget and determines if all items on the Purchase List can be bought under the budget. If not, the items are given priority ratings. The system walks down the list to in decreasing priority rating order identifying items to purchase without exceeding the budget. The shopper may override the items identified to be purchased. Shopper override is monitored by a machine learning engine which adjusts the priority rating of the item or the period of replacement for the next shopping trip/session, allowing for more accurate results and flexibility.
    Type: Grant
    Filed: March 8, 2017
    Date of Patent: May 12, 2020
    Assignee: WALMART APOLLO, LLC
    Inventors: Donald R. High, Matthew Allen Jones, Chandrashekar Natarajan, Michael Dean Atchley, Brian Gerard McHale
  • Patent number: 10649429
    Abstract: A system for the cryptographically-secure, autonomous control of devices comprising, connected to or remotely operating devices in an electrically powered network and the transaction of the benefits, costs or value created by or transacted through the devices in this electrically powered network.
    Type: Grant
    Filed: June 22, 2018
    Date of Patent: May 12, 2020
    Assignee: LO3 Energy Inc.
    Inventor: Lawrence Orsini
  • Patent number: 10643288
    Abstract: A system for the cryptographically-secure, autonomous control of devices comprising, connected to or remotely operating devices in an electrically powered network and the transaction of the benefits, costs or value created by or transacted through the devices in this electrically powered network.
    Type: Grant
    Filed: October 13, 2016
    Date of Patent: May 5, 2020
    Assignee: TransActive Grid Inc.
    Inventors: Lawrence Orsini, Yun Wei, Joseph Lubin
  • Patent number: 10643211
    Abstract: A mobile payment system for a retail environment enables customers to securely use their mobile device to pay for goods purchased at a point-of-sale (POS) system, regardless of whether the mobile device has cellular service or is connected to a network.
    Type: Grant
    Filed: October 16, 2019
    Date of Patent: May 5, 2020
    Assignee: TARGET BRANDS, INC.
    Inventors: Kevin Mun Weng Cheong, Andrew Wind
  • Patent number: 10643216
    Abstract: Systems and methods include: receiving digital event type data that define attributes of a digital event type; receiving digital fraud policy that defines a plurality of digital processing protocols; transmitting via a network the digital event data and the digital fraud policy to a remote digital fraud mitigation platform; using the digital event data to configure a first computing node comprising an events data application program interface or an events data computing server to detect digital events that classify as the digital event type; using digital fraud policy to configure a second computing node comprising a decisioning API or a decisioning computing server to automatically evaluate and automatically select one digital event processing outcome of a plurality of digital event processing outcomes that indicates a disposal of the digital events classified as the digital event type; and implementing a digital threat mitigation application process flow that evaluates digital event data.
    Type: Grant
    Filed: March 19, 2019
    Date of Patent: May 5, 2020
    Assignee: Sift Science, Inc.
    Inventors: Fred Sadaghiani, Micah Wylde, Keren Gu, Eugenia Ho, Noah Grant
  • Patent number: 10636033
    Abstract: Embodiments of the present invention are directed to routing process authorizations to determine an appropriate legal entity name when an alternate entity name is provided. The system stores alternate entity names in a private or semi-private block chain distributed network, where a block chain ledger keeps an ongoing record of the alternate entity names and their associated legal entity name. When an authorization request is received that does not include a known legal entity name, the system will match the listed entity name with one of the stored alternate entity names, and thereby determine the legal entity name that should be associated with the authorization request.
    Type: Grant
    Filed: February 22, 2016
    Date of Patent: April 28, 2020
    Assignee: Bank of America Corporation
    Inventors: Darrell Johnsrud, Manu Jacob Kurian, Michael Wuehler
  • Patent number: 10635809
    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: January 25, 2019
    Date of Patent: April 28, 2020
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Vijay Ekambaram, Sarbajit K. Rakshit
  • Patent number: 10628610
    Abstract: A method, computer system, and a computer program product for identifying a hacked database is provided. The present invention may include generating a marked account using a plurality of data. The present invention may then include initiating a first transaction using the generated marked account. The present invention may also include determining that a second transaction has occurred using the generated marked account. The present invention may further include receiving notification of the second transaction based on determining that the second transaction occurred.
    Type: Grant
    Filed: October 25, 2018
    Date of Patent: April 21, 2020
    Assignee: International Business Machines Corporation
    Inventors: Oded Margalit, Ravid Sagy
  • Patent number: 10628827
    Abstract: A mobile communication device. The device comprises a cellular radio transceiver, a short range radio transceiver, a processor, a memory, and an electronic commerce mobile application stored in the memory. When executed by the processor, the electronic commerce mobile application determines an inventory of mobile applications of the device, transmits the inventory via one of the radio transceivers to a security server application executing on a computer system external to the mobile communication device, and detects when the device enters a retail store associated with the electronic commerce mobile application.
    Type: Grant
    Filed: May 9, 2017
    Date of Patent: April 21, 2020
    Assignee: Sprint Communications Company L.P.
    Inventors: Michael A. Gailloux, Adam C. Pickett, Vanessa L. Suwak
  • Patent number: 10628826
    Abstract: A payment processing system continuously processes transactions. Multiple modeling technologies are used within a fraud detection system to each handle different blocks of segmented transaction data in order to detect fraud. Model data is created from recent segmented transaction data that is currently handled by an existing model; each transaction includes a fraud flag as to whether it was fraudulent or not. The model data is used to train, validate and test any of a number of types of models where the fraud flag is the target. Performance metrics such as Sensitivity, Review Rate and False Positives are calculated for each trained model. An operational objective is used to determine a value for a particular performance metric which then dictates values for other performance metrics for each model. The best model is chosen by optimizing the performance metrics. The best model is configured and deployed to replace the existing model.
    Type: Grant
    Filed: November 24, 2015
    Date of Patent: April 21, 2020
    Assignee: Vesta Corporation
    Inventors: Jiaqi Yu, Jianning Le
  • Patent number: 10630669
    Abstract: A first server receives a text message addressed to a first text destination and including authentication information The first server establishes a secure connection between the first server and a first mobile device associated with a first user, one of the first user and the first mobile device associated with the first text destination. The authentication information is then provided from the first server to the first mobile device via the secure connection.
    Type: Grant
    Filed: September 11, 2017
    Date of Patent: April 21, 2020
    Assignee: Cyphercor Inc.
    Inventor: Diego Matute
  • Patent number: 10621567
    Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.
    Type: Grant
    Filed: July 1, 2015
    Date of Patent: April 14, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATION
    Inventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento, Wayne Molitor, Peter J. Flor
  • Patent number: 10621826
    Abstract: The present disclosure relates generally to a system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: April 14, 2020
    Assignee: IGT
    Inventors: Kevin Higgins, Jeffery Shepherd
  • Patent number: 10623191
    Abstract: An apparatus, system, and a method, each of which stores, in a memory, for each one of a plurality of users, information regarding a service provision contract indicating a content of services to be provided to the user; obtains a service provision contract indicating services to be provided to a first user in response to an access from the first user, the first user being one of the plurality of users; assigns first identification information to the service provision contract for the first user; obtains, from a certificate authority, an electronic certificate including the first identification information assigned to the service provision contract for the first user, as an individual certificate for the first user; transmits the individual certificate to a transmission destination associated with the first user; and determines to provide services according to the service provision contract identified with the first identification information included in the individual certificate, to an apparatus authenticat
    Type: Grant
    Filed: March 15, 2017
    Date of Patent: April 14, 2020
    Assignee: RICOH COMPANY, LTD.
    Inventor: Jun Satoh
  • Patent number: 10614461
    Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g.
    Type: Grant
    Filed: September 11, 2019
    Date of Patent: April 7, 2020
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Joseph Benjamin Castinado, James Gregory Ronca
  • Patent number: 10607210
    Abstract: Systems, methods, devices, and computer readable media for enabling direct electronic payment transfers are disclosed. Identification information of a payer, based on a user selection at a mobile device, is received from a first application installed on the mobile device. A user identification of a payment amount is received via a second application installed on the mobile device. The second application is different from the first application. Biometric data of the user is captured at a biometrics reader of the mobile device, and then compared to authorized biometric data to authenticate the user. Upon successful authentication of the user, a request for the electronic payment transfer from the payer to the user for the payment amount is initiated from the mobile device.
    Type: Grant
    Filed: May 3, 2016
    Date of Patent: March 31, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paolo Bortolotto, Anna Libus, John McGuire
  • Patent number: 10607265
    Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.
    Type: Grant
    Filed: August 8, 2018
    Date of Patent: March 31, 2020
    Assignee: Capital One Services, LLC
    Inventors: Timur Sherif, Zviad Aznaurashvili, Hannes Jouhikainen, Steve Blanchet
  • Patent number: 10600054
    Abstract: A computer-implemented method for detecting fraudulent payment transactions performed over a payment network is provided. The method includes receiving, by a fraud monitoring device, a request to determine whether a payment transaction initiated using a payment card of a cardholder is fraudulent, wherein the request includes at least one of a merchant identifier, a merchant location, a cardholder identifier, and a transaction timestamp, associating the cardholder with a social media account based on the cardholder identifier, and receiving the social media location data from a social media computing device. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: March 24, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sharath Sahadevan, Kristofer D. Perez, Pedro J. Chavarria
  • Patent number: 10601859
    Abstract: Systems and methods for detecting replay attacks may use one or more sensors to collect data about a state of a device. The device may be used to perform a transaction. The device may be used to authenticate or identify a user. The state of the device may pertain to a characteristic of the device position, movement, component, or may pertain to one or more environmental conditions around the device. The state of the device may be expected to change over time, and certain states are unlikely to be repeated. The detected repetition of a state of the device may be a cause for increasing the likelihood that a replay attack is taking place.
    Type: Grant
    Filed: February 24, 2017
    Date of Patent: March 24, 2020
    Assignee: Trusona, Inc.
    Inventors: Ori Eisen, David Kopack, Clayton Lengel-Zigich, Nikolas Mangu-Thitu
  • Patent number: 10601842
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first user input by a primary device from a primary input device, where the user input is provided by a user to the primary input device that is coupled to a primary device. Receiving second user input provided by the user to a secondary input device that is in communication with the primary device. Determining a user credential based on the first user input and the second user input, where at least one or the first input and the second input includes at least a portion of the user credential. Receiving an indication that the user is authentic based on the user credential, and, in response, enabling the user to further interact with the primary device.
    Type: Grant
    Filed: June 18, 2018
    Date of Patent: March 24, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kevin G. Paterson, Noah A. McConnell
  • Patent number: 10601665
    Abstract: An example operation may include one or more of identifying one or more data volume management policies from a plurality of different parties, storing the one or more data volume management policies in a smart contract stored on a blockchain, identifying one or more data access thresholds being exceeded on a network, modifying an operating status of the network based on the one or more policies and the one or more data access thresholds being exceeded, and storing the modified operating status in the blockchain.
    Type: Grant
    Filed: July 26, 2017
    Date of Patent: March 24, 2020
    Assignee: International Business Machines Corporation
    Inventors: Luis Angel D. Bathen, Gabor Madl, Ramani Routray, Sangeetha Seshadri
  • Patent number: 10601850
    Abstract: A method of identifying risky user behaviors in computer networks includes determining behavior data of a user. The behavior data describes user activities of the user using a computer network. A particular event chain is identified from the behavior data. The particular event chain includes one or more events of the user activities. A risk coefficient of the particular event chain is determined. Based on the risk coefficient, whether the particular event chain represents a risky user behavior is determined.
    Type: Grant
    Filed: September 1, 2017
    Date of Patent: March 24, 2020
    Assignee: Alibaba Group Holding Limited
    Inventors: Renxin Mao, Chao Sun, Xinkai Li, Dijun He
  • Patent number: 10588175
    Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.
    Type: Grant
    Filed: October 24, 2018
    Date of Patent: March 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
  • Patent number: 10580005
    Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
    Type: Grant
    Filed: April 21, 2015
    Date of Patent: March 3, 2020
    Assignee: VISA U.S.A. INC.
    Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
  • Patent number: 10572914
    Abstract: An automatic billing updater (ABU) computing device is provided. The ABU computing device receives, from a candidate merchant, a batch update request including a plurality of account identifiers and retrieves a plurality of historical account identifiers from an historical authorization database. Each account identifier of the historical account identifiers is associated with a respective historical transaction of the candidate merchant. The ABU computing device further compares the account identifiers of the batch update request to the historical account identifiers, identifies at least one unrequested account identifier from the historical account identifiers based on the comparison, retrieves unrequested billing data associated with the unrequested account identifier from a billing database that stores updated billing data associated with a plurality of payment accounts, and transmits the unrequested billing data to the candidate merchant.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: February 25, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: David J. Senci, Kyle Williams
  • Patent number: 10572876
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: February 25, 2020
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard D Roseman
  • Patent number: 10572934
    Abstract: In one aspect, a method is provided for making a transaction, the method including receiving, at a merchant system: a basket for purchase; and a unique code identifying a user. The method also includes reading, using the merchant system, one or more biomarkers from the user and identifying, from a database, a stored code corresponding to the unique code and one or more stored biomarkers corresponding to the one or more biomarkers. The method further compares: the one or more biomarkers with the one or more stored biomarkers associated with the corresponding stored code; or, the unique code with the stored code associated with the one or more stored biomarkers. If there is a match, a transaction based on the basket for purchase is made using a payment vehicle associated with the corresponding stored code; or, if there is no match, the transaction is declined.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: February 25, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rahul Agrawal
  • Patent number: 10572472
    Abstract: Systems, architecture and methods for updating parameters in relational database management software of a mainframe computing system is provided. Methods and apparatus are provided for streamlining the updating of the parameters. Methods and apparatus for reducing errors in the updating of the parameters are also provided, as well as for reducing risk of malicious corruption of data stored in an enterprise database. Also provided are methods and apparatus for detecting and/or tracking database parameter updates and/or errors.
    Type: Grant
    Filed: November 9, 2017
    Date of Patent: February 25, 2020
    Assignee: Bank of America Corporation
    Inventor: Tyler H. Crane
  • Patent number: 10565635
    Abstract: A system for identifying and providing user interface features based on a captured image wherein the system performs operations including capturing video frames, delineating an object within at least one of the video frames, determining identification information about the object; and augmenting the display of the object.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: February 18, 2020
    Assignee: PAYPAL, INC.
    Inventor: Alexander Forss
  • Patent number: 10565587
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: February 18, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 10560414
    Abstract: An approach for new recipient inclusion to e-mail chains. E-mail chain manager receives include participants associated with an e-mail chain, current participants in the current e-mail chain distribution and authorization rules associated with the e-mail chain. The e-mail chain manager determines inclusion authorizations for the include participants based on comparing the include participants with the authorization rules and creates authorization results associated with the include participants. In response to determining the authorization results are passed, the e-mail chain manager creates authorized include participants. The e-mail chain manager creates the participant notifications where the participant notifications are based on the authorized include participants and outputs the participant notifications based on predetermined participant preferences of the current participants.
    Type: Grant
    Filed: April 1, 2019
    Date of Patent: February 11, 2020
    Assignee: International Business Machines Corporation
    Inventors: Muneeb Arshad, Ali Y. Duale, Shailesh R. Gami, Louis P. Gomes, Vijai Kalathur, Rajaram B. Krishnamurthy
  • Patent number: 10558820
    Abstract: An apparatus maintains a segregated database in a multiple distributed ledger system. The apparatus includes a storage device that stores software instructions for controlling a processor that when executed by the processor configure the processor to: create distributed ledgers, each created distributed ledger being associated with a respective individual profile; maintain a segregated database apart from the distributed ledgers including, for each individual profile, profile balance data; and process a data exchange between exchanging profiles.
    Type: Grant
    Filed: March 20, 2019
    Date of Patent: February 11, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Paul Mon-Wah Chan, Perry Aaron Jones Haldenby, John Jong Suk Lee
  • Patent number: 10558975
    Abstract: Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the consumer in connection with the transaction and where the authentication request message includes at least one detail related to the transaction. The method also includes accessing, by a computing device, a profile associated with the consumer and based at least in part on a prior transaction history of the payment account, and opting, by the computing device, the transaction out of the at least one authentication procedure when the at least one detail related to the transaction is consistent with the profile.
    Type: Grant
    Filed: August 17, 2016
    Date of Patent: February 11, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Manoneet Kohli
  • Patent number: 10552837
    Abstract: Embodiments disclosed herein are related determining a risk score for one or more data transactions. Current data transactions that are associated with one or more current attributes are received. Stored data transactions associated with stored attributes are accessed. A plurality of the stored attributes are selected. A first sliding window and a second sliding window are selected. A duration of the second sliding window is longer than a duration of the first sliding window and encompasses the duration of first sliding window. Risk information for those stored data transactions that are associated with the plurality of attributes is determined. The risk information is determined during the duration of both the first and second sliding windows and is indicative of a level fraud that is occurring. The determined risk information and the current attributes are used to generate a risk score for the current data transactions. The current data transactions are approved or rejected based on the risk score.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: February 4, 2020
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: Yuting Jia, Huiying Mao, Shoou-Jiun Wang, Cezary Marcjan, Jayaram N M Nanduri
  • Patent number: 10552842
    Abstract: Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.
    Type: Grant
    Filed: July 5, 2019
    Date of Patent: February 4, 2020
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
  • Patent number: 10552604
    Abstract: Systems and methods are provided that allow a secure processing system (SPS) to be implemented as a hard macro, thereby isolating the SPS from a peripheral processing system (PPS). The SPS and the PPS, combination, may form a secure element that can be used in conjunction with a host device and a connectivity device to allow the host device to engage in secure transactions, such as mobile payment over a near field communications (NFC) connection. As a result of the SPS being implemented as a hard macro isolated from the PPS, the SPS may be certified once, and re-used in other host devices without necessitating re-certification.
    Type: Grant
    Filed: May 16, 2018
    Date of Patent: February 4, 2020
    Assignee: NXP B.V.
    Inventors: Mark Buer, Theodore Trost, Jacob Mendel
  • Patent number: 10552647
    Abstract: A system for controlling user access to a service includes a read device that reads a payment card of a user, and a first control block coupled an entry gate determines whether online payment authorization should be requested for the payment card. A first memory stores a hot list indicating payment cards for which the first control block denies user access to the service. If the online payment authorization is denied for the payment card, the first control block adds the payment card to the hot list. A further read device is configured to read the payment card, and a second control block coupled to the further read device controls a second gate after determining whether the payment card is on the hot list stored in a second memory coupled to the second control block, the hot list being updated with modifications via a network.
    Type: Grant
    Filed: December 27, 2016
    Date of Patent: February 4, 2020
    Assignee: ACCENTURE GLOBAL SERVICES LIMITED
    Inventors: Robert Hasson, Najib El Mokhtari, Kerry Hurley, Charles Kitson, Chris Walker
  • Patent number: 10546119
    Abstract: Methods and systems for protecting sensitive data on a mobile device. In an embodiment, a mobile device processor of a mobile device downloads, from a provider computer, an application including a white box software development kit (SDK). The mobile device processor utilizes a code protection process of the application to obfuscate sensitive user data, stores the obfuscated user data in a regular memory, runs the white box SDK to monitor and protect sensitive applications which execute when conducting transactions, and receives instructions from a trusted application manager computer to at least one of re-obfuscate the sensitive user data and reset a user root key.
    Type: Grant
    Filed: November 14, 2016
    Date of Patent: January 28, 2020
    Assignee: Mastercard International Incorporated
    Inventor: Ashfaq Kamal
  • Patent number: 10546462
    Abstract: A pseudo anonymous account interleaved wagering system is disclosed, including a point of sale device constructed to: communicate request data for RC code; receive requested RC code data; automatically print RC code; receive redemption code data; automatically communicate redemption code verification request and redemption code data; receive fund data; the interactive processing device constructed to: communicate RC code and RC verification request data; communicate application telemetry data; receive and communicate redemption code data; the process controller constructed to: receive application telemetry data; determine to trigger a wager request; automatically generate and communicate wager request data; receive wager outcome data; automatically communicate win data; the fund management controller constructed to: receive request data; communicate, receive, and verify RC code data; communicate fund data; receive win data; automatically communicate fund data; generate, communicate, receive, and verify redemp
    Type: Grant
    Filed: March 20, 2017
    Date of Patent: January 28, 2020
    Assignee: Gamblit Gaming, LLC
    Inventors: Miles Arnone, Frank Cire, Dwight Kim, Eric Meyerhofer
  • Patent number: 10535044
    Abstract: A technique for conducting a transaction via a network is described. In this technique, in response to receiving transaction information associated with the transaction via the network from a network browser in a computer, a computer system provides an encrypted version of the received transaction information via the network to an application that executes in the computer, which facilitates a comparison of the received transaction information with original transaction information provided by a user to the computer. Note that this application is separate from the network browser, and the communication with the application via the network is independent of the network browser. Moreover, if the received transaction information matches the original transaction information, the computer system receives approval for the transaction from the computer via the network.
    Type: Grant
    Filed: January 8, 2010
    Date of Patent: January 14, 2020
    Assignee: INTUIT INC.
    Inventor: Marc Feldman
  • Patent number: 10530635
    Abstract: According to an example, with respect to a pluggable control system for fallback website access, a metric associated with operation of a primary interface may be ascertained for the primary interface that is configured to provide a third-party provider access to a website. The metric may be compared to a metric threshold. Based on a determination that the metric exceeds the metric threshold, an indication of a failure associated with the primary interface may be generated, and the access of the third-party provider may be switched from the primary interface to a fallback interface. Based on a determination that the metric is less than or equal to the corresponding metric threshold, the access of the third-party provider may be maintained using the primary interface. Further, operations between the third-party provider and the website may be controlled using the accessed primary interface or the accessed fallback interface.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: January 7, 2020
    Assignee: ACCENTURE GLOBAL SOLUTIONS LIMITED
    Inventors: Giorgio Andreoli, Giacomo Troiano, Emanuele Baldassarre
  • Patent number: 10528948
    Abstract: The subject matter disclosed herein provides methods, apparatus, systems, techniques, and articles for false positive reduction in abnormality detection models. A date and time of a first transaction by a transaction entity and associated with a transaction characteristic can be stored. Data representing subsequent transactions associated with the transaction characteristic can be stored. A history marker profile specific to the transaction characteristic and transaction entity can be generated and can include the transaction characteristic, the date and time of the first transaction, and maximum and mean abnormality scores. A date and time of a current transaction can be determined. A current abnormality score for the current transaction can be received. A tenure of the observed transaction characteristic can be computed.
    Type: Grant
    Filed: May 29, 2015
    Date of Patent: January 7, 2020
    Assignee: Fair Isaac Corporation
    Inventors: Scott M. Zoldi, David Griegel
  • Patent number: 10531230
    Abstract: Systems and methods for confirming the presence of a person or asset for a given purpose, and recording this information in a distributed ledger. The distributed ledger records and confirms presence indicia in connection with a transaction said facilitates remote and/or automated signatures. The systems and methods detect the presence of one or more humans and/or computing devices at a specific location at the time of a transaction, and contemporaneously recording information concerning the transaction in a distributed ledger. Presence can be determined using network presence sensing (NPS), other types of sensors, or the combination of NPS with other sensors.
    Type: Grant
    Filed: December 27, 2018
    Date of Patent: January 7, 2020
    Assignee: Ivani, LLC
    Inventors: Matthew Wootton, Boris Dieseldorff, Justin McKinney
  • Patent number: 10521790
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: December 31, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 10521800
    Abstract: The present invention refers to the field of networked computer telecommunication, and in particular to a method and system for processing services associated with a contract between a service requester (SC) and a service provider (SP) wherein said services are to be provided via a network, wherein at least one service contract is defined between said service requester and said service provider. In order to improve the processing of web services, license management facilities (75A) are included into the prior art method cooperating closely with a Contract Management component (74A) and a Service Metering Component (76A). Preferably, a plurality of different license types are provided for selection to be used, which may further be combined also, in order to match best the needs of a customer.
    Type: Grant
    Filed: June 24, 2004
    Date of Patent: December 31, 2019
    Assignee: International Business Machines Corporation
    Inventors: Joachim Bruchlos, Joachim Hagmeier, Dietmar Kuebler, Timo Kussmaul
  • Patent number: 10504109
    Abstract: Methods and devices for enabling authentication may include a first stage in which a first electronic device of the first entity communicates with a second electronic device of the second entity via a telecommunications network. During the first stage, the first electronic device generates a first token and transmits it from the first electronic device to the second electronic device via the network; and the second electronic device generates a third token and transmits the third token to the first electronic device via the network. During a second stage, authenticating a first non-authenticated entity as being the second entity as a function of a second token contained in a first portable electronic device of the first non-authenticated entity occurs; and authenticating a non-authenticated entity as being the first entity as a function of a fourth token contained in a second portable electronic device of the second non-authenticated entity also occurs.
    Type: Grant
    Filed: November 20, 2012
    Date of Patent: December 10, 2019
    Assignee: IDEMIA FRANCE
    Inventor: Alban Feraud