Requiring Authorization Or Authentication Patents (Class 705/44)
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Patent number: 12229760Abstract: A method can include intercepting, by an interceptor positioned between a transfer system and a transfer settlement system, a transaction prior to the transaction being provided to the transfer settlement system. The method can include confirming that data from the transaction matches information in an immutable ledger to which parameters of the transaction have been provided by a notary system that confirms the parameters of the transaction and applies a signature using a private key to the transaction in response to confirming the parameters. The method can include, in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.Type: GrantFiled: September 22, 2023Date of Patent: February 18, 2025Assignee: Truist BankInventors: Amy Rose, David Stone, Scott Travis Leith, William Mark Connolly
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Patent number: 12229763Abstract: A system for dynamically revising a merchant page by one or more processors communicatively coupled to webservers hosting merchant pages may be configured to receive from a webserver a transaction amount and a unique identifier of a user interacting with the page without an input of a credit card number of the user and without the webserver accessing the credit card number in a data storage, identify, using the unique identifier and without receiving personally identifiable information from the webserver, a user profile including at least one dataset corresponding to a credit card of the user, and upon identifying an attribute of an alternative payment option for the user based on the user profile, generate an instruction to the webserver to dynamically render the page by displaying at least one interactive element including the alternative payment option based on an indicator of the credit card of the user.Type: GrantFiled: December 9, 2021Date of Patent: February 18, 2025Assignee: CITIBANK, N.A.Inventors: Declan Collins, Michael Naggar
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Patent number: 12229777Abstract: A method for detecting fraudulent financial transactions in information technology networks involves obtaining a multitude of features associated with a financial transaction conducted over an information technology network by an unknown transaction party. The multitude of features includes clickstream data obtained from the unknown transaction party. The clickstream data is associated with data of the financial transaction being entered by the unknown transaction party. The method further involves obtaining a first fraud indicator using a machine learning classifier operating on the multitude of features, obtaining a second fraud indicator using a rule-based classifier operating on the multitude of features, obtaining a fraud prediction for the financial transaction, using the first fraud indicator and the second fraud indicator, and taking an action, in response to the fraud prediction.Type: GrantFiled: March 1, 2019Date of Patent: February 18, 2025Assignee: Intuit Inc.Inventors: Liron Hayman, Uri Lapidot, Gabriel Goldman, Yaron Moshe
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Patent number: 12229782Abstract: Disclosed is an example approach in which network and non-network features are used to train a predictive machine learning model that is implemented to predict financial crime and fraud. Graphical network features may be generated by applying financial entity risk vectors to a network model with representations of various types of networks. The network model may comprise transactional, non-social, and/or social networks, with edges corresponding to linkages that may be weighted according to various characteristics (such as frequency, amount, type, recency, etc.). The graphical network features may be fed to the predictive model to generate a likelihood and/or prediction with respect to a financial crime. A perceptible alert is generated on one or more computing devices if a financial crime is predicted or deemed sufficiently likely. The alert may identify a subset of the set of financial entities involved in the financial crime and present graphical representations of networks and linkages.Type: GrantFiled: April 19, 2023Date of Patent: February 18, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Wayne B. Shoumaker, Harsh Singhal, Suhas Sreehari, Agus Sudjianto, Ye Yu
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Patent number: 12229231Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.Type: GrantFiled: January 9, 2024Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, David Septimus, Jenny Melendez, Samuel Rapowitz, Tyler Maiman, Joshua Edwards
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Patent number: 12229776Abstract: A cash handling system and a cash transaction method are provided. The cash handling system includes at least one order terminal and a cash payment terminal. The cash payment terminal communicates with the order terminal. The order terminal captures a first image, and at least one piece of first face data is included in the first image. The order terminal obtains order data and generates client data according to the order data and the at least one piece of first face data. The at least one piece of first face data is linked to the order data. The cash payment terminal obtains the client data, and the client data includes the order data and the at least one piece of first face data. The cash payment terminal captures a second image. When specific face data appears in the second image, the cash payment terminal performs a payment operation according to specific order data linked to the specific face data.Type: GrantFiled: November 17, 2020Date of Patent: February 18, 2025Assignee: Masterwork Automodules Tech Corp. LtdInventors: Ming-Hsun Liu, Yang-Chun Lo
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Patent number: 12230098Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.Type: GrantFiled: November 6, 2023Date of Patent: February 18, 2025Assignee: IGTInventors: Jeffery Shepherd, Kevin Higgins
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Patent number: 12231408Abstract: A device configured to receive a data transfer initiation request from a first user and to identify a user profile that is associated with a first user identifier for the first user. The device is further configured to obtain an account number and a routing number for the first user from the user profile. The device is further configured to obtain routing instructions for a service provider based on a service provider identifier. The device is further configured to generate a data transfer request that includes the account number for the first user, the routing number for the first user, a second user identifier for a second user, a data type identifier, and a data transfer type identifier. The device is further configured to send the data transfer request to the service provider in accordance with the routing instructions for the service provider.Type: GrantFiled: January 14, 2022Date of Patent: February 18, 2025Assignee: Bank of America CorporationInventors: Richard S. Scot, James J. Siekman, Neal Aaron Slensker, Basil C. Doyle
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Patent number: 12217263Abstract: Embodiments provide artificial intelligence-based methods and systems for predicting account-level risk scores associated with cardholders. Method performed by server system includes accessing payment transaction data and cardholder risk data associated with cardholder. The payment transaction data includes transaction variables associated with past payment transactions performed at Point of Interaction (POI) terminals within a particular time window. Method includes generating cardholder profile data based on the transaction variables and the cardholder risk data. Method includes determining account-level risk scores associated with the cardholder based on cardholder profile data. Each account-level risk score of account-level risk scores is determined by a trained machine learning model. The account-level risk scores include a wallet reload risk score, an account reissuance risk score, and a transaction channel risk score.Type: GrantFiled: May 6, 2022Date of Patent: February 4, 2025Assignee: Mastercard International IncorporatedInventors: Bhargav Pandillapalli, Rajesh Kumar Ranjan, Ankur Saraswat, Kshitij Gangwar, Kamal Kant, Sonali Syngal, Suhas Powar, Debasmita Das, Pritam Kumar Nath, Nishant Pant, Yatin Katyal, Nitish Kumar, Karamjit Singh
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Patent number: 12217303Abstract: Disclosed embodiments may include a system providing for currency transfer using augmented reality environments. The system may receive, at a user device associated with a user, a first input indicating a first selection of a first augmented reality item. The system may receive a second input indicating a first movement of the first augmented reality item. The system may determine whether the first augmented reality item is in proximity to a purchasable item. In response to determining that the first augmented reality item is in proximity to the purchasable item, the system may initiate a transfer by receiving image data containing a computer readable code associated with the purchasable item, processing the image data, retrieving store account information and transfer information regarding the purchasable item, retrieving user account information, and transmitting, to an account processor, the user account information, the store account information, and the transfer information.Type: GrantFiled: November 4, 2022Date of Patent: February 4, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Samuel Rapowitz, Kevin Osborn, Mia Rodriguez, Kathryn Tikoian
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Patent number: 12217196Abstract: Various device attributes associated with a current event may be obtained. Similarity metrics may be determined that indicate a degree of similarity between the device attributes that are associated with the current event and stored device attributes that are associated with previous events and previously created fuzzy device identifiers. A fuzzy device identifier may be assigned to the current event based at least in part on a comparison of the similarity metrics with a threshold. If none of the similarity metrics compare favorably with the threshold, then a new fuzzy device identifier may be created for the current event. However, if at least one of the similarity metrics compares favorably with the threshold, then the previously created fuzzy device identifier whose stored device attributes are most similar to the device attributes that are associated with the current event may be assigned to the current event.Type: GrantFiled: January 13, 2023Date of Patent: February 4, 2025Assignee: Microsoft Technology Licensing, LLCInventors: Ram Prasad Sunkara, Shoou-Jiun Wang, Jayaram NM Nanduri
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Patent number: 12217237Abstract: Aspects of the present disclosure are directed to method for facilitating a transaction between a service provider and a customer using an online payment platform. The method includes receiving a request from a customer's device to enter into a transaction with a service provider and receiving a request from a service provider's device to process a cardless payment transaction for the transaction. The method further includes determining a tipping process to be applied to the transaction whereby an automatically determined tip amount or a manually determined tip amount is added to the transaction. The processing of the transaction is delayed until the automatically determined or the manual tip amount is added to the transaction. The cardless payment including the tip amount is then processed and a confirmation thereof is communicated to the respective devices of the customer and the service provider.Type: GrantFiled: January 13, 2023Date of Patent: February 4, 2025Assignee: Block, Inc.Inventors: Shahrouz Tavakoli, Nathan Spindel, William Henderson, Alan Fineberg, Nefaur Khandker, Christopher Clark
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Patent number: 12211044Abstract: Herein disclosed are secure digital transaction systems and methods wherein in response to a merchant device receiving a transaction initiation indication comprising a purchase request referencing a payer device, sending an encrypted transaction information message to the payer device from the merchant device using at least a VPN. The encrypted transaction information message may comprise a merchant ID, a security key and transaction information referencing the purchase request, permitting one-touch control of the secured transaction by the payer and eliminating payer account theft along the merchant transaction chain. The payer may subscribe to a service configured to permit the merchant to autonomously push a transaction information message to the payer device.Type: GrantFiled: July 31, 2024Date of Patent: January 28, 2025Assignee: KUBERA LIMITED LIABILITY COMPANYInventors: Benjamin M. Cvetkovich, Greg T. Meyers
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Patent number: 12211045Abstract: Provided is a method for providing a virtual account based on a biometric measurement, the method includes receiving biometric data associated with a biometric measurement of an individual, generating an virtual account of the individual based on receiving the biometric data associated with the biometric measurement of the individual, provisioning access to the virtual account of the individual based on the biometric measurement of the individual, and sending a message to a user device based on generating the virtual account associated with the individual, where the notification message includes an indication associated with the virtual account. A system and computer program product are also disclosed.Type: GrantFiled: February 28, 2019Date of Patent: January 28, 2025Assignee: Visa International Service AssociationInventors: Cesar M. Otero, Murali Krishnan Sreenivasan, Preska Sharma, Libby Annie Kurien
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Patent number: 12205121Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.Type: GrantFiled: December 21, 2023Date of Patent: January 21, 2025Assignee: Wells Fargo Bank, N.A.Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
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Patent number: 12205589Abstract: Techniques for processing speculative data using data history information are described. A system may receive, at a first component, first data and second data for use in a first operation. The component may use metadata associated with each of the first data and the second data to determine that the first data and the second data correspond to different versions of data of the same data type. Based on such a determination, the component may cease processing corresponding to the first operation with respect to the first data and the second data.Type: GrantFiled: June 28, 2022Date of Patent: January 21, 2025Assignee: Amazon Technologies, Inc.Inventor: Joe Pemberton
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Patent number: 12198136Abstract: A method for pooling and retrieving block rewards in a reward pool including an operator node and a set of member nodes in a distributed network extending a proof-of-space-based blockchain includes: submitting a transaction configured to generate a singleton in a set of singletons, the singleton including: an outer puzzle hash linking the singleton to a singleton puzzle hash; and an inner puzzle hash defining a pool address associated with the reward pool; generating a block including a proof-of-space and a block reward allocated to the singleton puzzle hash; detecting the block reward allocated to the singleton puzzle hash; identifying the singleton linked to the singleton puzzle hash; and submitting a transaction configured to: remove the singleton from the set of singletons; and transfer the block reward from the singleton puzzle hash to the pool address.Type: GrantFiled: November 9, 2023Date of Patent: January 14, 2025Assignee: Chia Network Inc.Inventors: Bram Cohen, Matt Hauff, Mariano Sorgente, Matt Howard, Adam Kelly
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Patent number: 12192848Abstract: In some implementations, a system may receive exchange data that includes a credential for an exchange and an indication of an entity associated with the exchange. The system may determine that an entity location is within a threshold distance of a target location included in a set of target locations. The system may determine a baseline location associated with a user. The system may determine that the baseline location is outside of a threshold proximity of all target locations included in the set of target locations. The system may transmit, to a mobile device associated with the user, a message that includes an indication of the target location based on determining that the entity location is within the threshold distance of the target location and based on determining that the baseline location is outside of the threshold proximity of all target locations included in the set of target locations.Type: GrantFiled: May 23, 2023Date of Patent: January 7, 2025Assignee: Capital One Services, LLCInventor: Kevin M. Lowe
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Patent number: 12190329Abstract: Devices, systems and processes for substantially simultaneous payment verification using multi-factor authentication are described. A system may include a user payment system (UPS), a point of sale system (POS) communicatively coupled to the user payment system, and an issuing bank system (IBK) communicatively coupled to at least the POS. The IBK system may include an IBK hardware processor configured to execute first non-transient computer executable instructions including instructions for establishing a direct connection between the IBK and the UPS. The instructions may also include those for communicating, using the direct connection, a query to the UPS, receiving a first response, from the UPS, to the query, and based, upon the first response, determining whether to approve a given transaction. The direct connection may use a 5G wireless link. The query may be communicated to substantially simultaneously with receipt of a request to approve the given transaction.Type: GrantFiled: July 6, 2022Date of Patent: January 7, 2025Assignee: DISH Wireless L.L.C.Inventor: Scott Parker
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Patent number: 12190373Abstract: Arrangements for providing fail-safe event processing functions are provided. In some aspects, an account may be generated and a first account number associated with a payment device of the account may be generated. The first account number may be transmitted or sent to the user. A second account number, different from the first account number, may be generated and stored by the enterprise organization in an inactive state. A user may request recurring payments with one or more vendors and may provide the first account number for use in processing the payments. An issue may be detected with the first account number or associated payment device. If a creditworthiness score meets or exceeds a threshold, the second account number may be activated and used (e.g., by the enterprise organization) to process recurring payments that may otherwise have lapsed due to the compromise of the first account number or payment device.Type: GrantFiled: December 7, 2022Date of Patent: January 7, 2025Assignee: Bank of American CorporationInventors: Pratap Dande, Erik Dahl, Rahul Yaksh, Tileshia Brenda Alford, Steven Allan Reich, Vishwanath Prasad Karra, Sailesh Vezzu
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Patent number: 12190311Abstract: A computing system can provide an interface for users of a messaging service to exchange messages with other users of the messaging service. The system can associate each exchange of messages with an underlying document, and structure the underlying document of each message exchange so that each message as a comment that is embedded or linked to the document.Type: GrantFiled: September 27, 2022Date of Patent: January 7, 2025Assignee: Expensify, Inc.Inventor: David M. Barrett
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Patent number: 12182799Abstract: The present application provides a payment processing system and method, wherein the system comprises: a merchant terminal reading a user code of a user terminal to generate a transaction order and sending the order to an acquirer; the acquirer generating a payment request according to the order, sending the request to the clearing institution, and the clearing institution forwarding the request to an account institution according to the user code; the account institution making user funds deduction according to the request and returning payment processing result notification information to the clearing institution, and the clearing institution forwarding the information to the acquirer and an e-wallet backend system at the same time; the e-wallet backend system sending the information to the user terminal and the user terminal displaying a payment result, and the acquirer receiving the information forwarded by the clearing institution and the merchant terminal displaying the payment result.Type: GrantFiled: October 23, 2020Date of Patent: December 31, 2024Assignee: NETSUNION CLEARING CORPORATIONInventor: Lingbin Kong
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Patent number: 12182816Abstract: A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.Type: GrantFiled: September 1, 2023Date of Patent: December 31, 2024Assignee: Capital One Services, LLCInventors: Jeremy Phillips, Zhe Liu, Kurry Tran
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Patent number: 12175464Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.Type: GrantFiled: December 6, 2022Date of Patent: December 24, 2024Assignee: Block, Inc.Inventors: Ryan Tai, Madeeha Ghori, Daniel Barrett, James Westlake, David Grodsky, Daniel Pittack
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Patent number: 12175469Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. The embodiments may employ machine learning processes to detect fraudulent activity. In some examples, a computing device determines customer data and device data for a customer and device involved in a transaction. The customer data may include previous transactions by the customer, and the device data may include previous transactions involving the device. The computing device generates features based on the customer data and the device data, and applies one or more machine learning models to the generated features to generate a trust score. The trust score is indicative of how likely a transaction is to be fraudulent. In some examples, the transaction is not allowed if the trust score is beyond a threshold. In some examples, the computing device trains the machine learning models based on customer data and device data for a plurality of customers and devices.Type: GrantFiled: September 3, 2021Date of Patent: December 24, 2024Assignee: Walmart Apollo, LLCInventors: Gnanapriya Venkatasubramaniam, Shivee Singh
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Patent number: 12175470Abstract: Provided is a method including receiving, by a user device, a request from an identity service to approve communicating a user proof-of-identity to a relying party. A user of the user device is prompted to request a one-time transaction identifier based on the request. Based on a first input from the user, the user device requests the one one-time transaction identifier from the identity service. In response to the request for the one-time transaction identifier, the user device receives the one-time transaction identifier from the identity server and displays the one-time transaction identifier on a first user device screen. The user inputs the one-time transaction identifier on a second user device screen and the user device communicates the one-time transaction identifier to the identity service. In response to receiving the at least one inputted one-time transaction identifier, the relying party determines whether to approve or deny a transaction.Type: GrantFiled: August 22, 2023Date of Patent: December 24, 2024Assignee: Visa International Service AssociationInventor: William Joseph Leddy, III
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Patent number: 12175468Abstract: In one embodiment, a method for conducting a model-based chargeback representment includes acquiring, by a transaction processing system, a record of a chargeback asserted by a customer against a merchant for a transaction. The method includes determining, by the transaction processing system and using a chargeback representment model, a confidence of asserting chargeback representment for the chargeback, wherein the chargeback representment model is trained to predict the success of a chargeback representment based on analyzing the context and characteristics of a chargeback. The method includes facilitating, by the transaction processing system, chargeback representment for the chargeback for the transaction. The method includes receiving, by the transaction processing system, results of the chargeback representment for the chargeback. The method includes providing, by the transaction processing system, the results of the chargeback representment for the chargeback to the merchant.Type: GrantFiled: June 15, 2021Date of Patent: December 24, 2024Assignee: Bolt Financial, Inc.Inventors: Yangdong Liao, Zachary A. Barnes
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Patent number: 12177206Abstract: Disclosed is an electronic device including: a communication circuit set to communicate with at least one authentication server for providing an identification authentication service; and a processor, wherein the processor is set to: transmit, to the at least one authentication server, first identifying information corresponding to an object to which identification information is to be provided and second identifying information corresponding to the electronic device; receive, from the at least one authentication server, information about a first item among a plurality of items of the identification information, the information about the first item being determined at least partially on the basis of the first identifying information and the second identifying information; and display, through the display, information corresponding to a first value related to the first item among the plurality of items of the identification information in response to a successful user authentication.Type: GrantFiled: September 16, 2019Date of Patent: December 24, 2024Assignee: Samsung Electronics Co., Ltd.Inventors: Gawon Lee, Eunyoung Kwon, Dasom Lee, Taeckki Lee, Daehaeng Cho
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Patent number: 12175472Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.Type: GrantFiled: October 17, 2022Date of Patent: December 24, 2024Assignee: PAYPAL, INC.Inventors: Logasundari Vinayagam, Aniket Vilas Jadhav, Rahul Nimje, Arie Benhamou, Nagavenkatasyamsundar Ambadipudi, Eitan Torf, Gayathri Baskaran, Phanishankar Pandravada
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Patent number: 12174729Abstract: Systems and methods for scenario planning include using specially programmed software engines to simulate and detect particular feature variations leading to particular outcomes based on modeling with machine learning techniques. The systems and methods improve model debugging, simulation efficiency and accuracy, model explainability, identification of high risk or high reward scenarios, among other improvements and combinations thereof. The systems and methods implement computerized optimization techniques applied via variation generation across a dataset of test input records to optimize for feature variation along with outcome variation. Moreover, the systems and methods may provide and/or realize a minimized variation to input data that correspond to a point of transition from one state to another state in an outcome that results from the input data, where the transition to another state is termed a “significant” variation to the output data.Type: GrantFiled: July 19, 2023Date of Patent: December 24, 2024Assignee: Virtualitics, Inc.Inventors: Sarthak Sahu, Ebube Chuba, Anthony Pineci, Aakash Indurkhya, Ciro Donalek, Michael Amori
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Patent number: 12169837Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.Type: GrantFiled: October 21, 2021Date of Patent: December 17, 2024Assignee: Bank of America CorporationInventors: Udaya Kumar Raju Ratnakaram, Puneetha Polasa, Sandeep Kumar Chauhan, Bhagya Lakshmi Sudha Lavanya Mallidi, Prashanthi Jambula, Shravan Kumar Kondoju
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Patent number: 12164508Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.Type: GrantFiled: September 19, 2023Date of Patent: December 10, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Yash Sharma, Sandeep Kumar Chauhan
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Patent number: 12159284Abstract: A method for establishing an index of usability associated with a replacement payment card is provided. The method may include receiving a payment card replacement request in a vending facility. The method may further include identifying at least one possible risk factor associated with a user utilizing the replacement payment card. The method may also include creating a risk assessment based on the at least one identified possible risk factor. The method may further include establishing an index of usability for the replacement payment card based on the created assessment, whereby a value of the index of usability correlates to a plurality of restrictions placed on using the replacement payment card. The method may also include storing the established index of usability in a database.Type: GrantFiled: October 6, 2023Date of Patent: December 3, 2024Assignee: International Business Machines CorporationInventors: Itzhack Goldberg, Rick A. Hamilton, II, Shawn P. Mullen, Clifford A. Pickover
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Patent number: 12153659Abstract: Provided is an authentication system (S) configured as follows. Input information acquisition means (101, 201) acquires input information, which relates to a feature of an outer appearance of a card possessed by a user, and has been input from a user terminal (30). Identification information acquisition means (104, 202) acquires identification information that enables identification of the card. Registered information acquisition means (105, 203) acquires registered information, which relates to the feature of the outer appearance, and has been registered in a server (10, 20) in association with the identification information in advance. Authentication means (102) executes the authentication based on the input information and the registered information.Type: GrantFiled: December 28, 2020Date of Patent: November 26, 2024Assignee: Rakuten Group, Inc.Inventor: Hideki Akashika
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Patent number: 12154116Abstract: Aspects described herein may allow for authentication of smart card usage. A server may receive, from a first computing device associated with a first user, a delegation request to delegate an authority, to a second user, to use a secondary card associated with an account belonging to the first user. The first user may hold a primary card associated with the account and the delegation request comprises one or more limitations on the authority. The server may also receive, via a sensor on the secondary card, first biometric information associated with the second user. The server may authenticate subsequent transaction requests based on the first biometric information and one or more limitations. In this way, the system may provide account holders with the flexibility to authorize other users to use the account while minimizing the risk of being exposed to fraudulent requests.Type: GrantFiled: October 30, 2023Date of Patent: November 26, 2024Assignee: Capital One Services, LLCInventor: Manish Hira
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Patent number: 12154115Abstract: Various methods, apparatuses/systems, and media for automatically detecting discrepancy between preset data and input data are provided. A processor implements a platform and language agnostic smart data discrepancy detection module that automatically detects discrepancy between preset data and input data (i.e., larger than the preset data) during data processing of a commercial transaction involving a gratuity, particularly when a credit card payment is being made. The processor also implements an optimized processes of conducting a commercial transaction that includes a gratuity data based on user preferences that are obtainable from an application during execution thereof, and automatically alerts the user when data discrepancy is detected, i.e., when the gratuity data is more than preset gratuity data set by the user on the application.Type: GrantFiled: May 26, 2022Date of Patent: November 26, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Kumar Rao Krishnagi, Sharmila Prakash, Jerome Joseph, Nalini Sreeram Boda, Vijay Kumar Perla, Mark Alan Wells, Matthew J Porter, Kritsakorn Chaumpanich
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Patent number: 12154126Abstract: Systems and methods are provided to generate a user interface conveying subscriber behavior of subscribers within a membership platform. Exemplary implementations may: obtain subscribership information for content creators of a membership platform, the subscribership information characterizing subscribership of individual subscribers to individual ones of the content creators for individual intervals of time; determine, based on the subscribership information, values of a behavior attribute representing behavior of the individual ones of the subscribers with respect to the individual ones of the content creators for the individual ones of the intervals of time; effectuate presentation of a user interface based on the values of the behavior attribute; and/or perform other operations.Type: GrantFiled: November 28, 2023Date of Patent: November 26, 2024Assignee: PATREON, INC.Inventors: Jennifer Elizabeth Pugh, Bruno Wong
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Patent number: 12153660Abstract: In an approach, a processor receives a request to access an electronic resource from a device. A processor causes the device to generate a Completely Automated Public Turing test (CAPTCHA), where the CAPTCHA comprises: a virtual keyboard; an ordered string of characters required to be input; and presentation of a highlighted key of the virtual keyboard on the device, wherein (i) the highlighted key is a first key visually distinct from other keys of the virtual keyboard and (ii) the first key corresponds to a character of the ordered string of characters. A processor receives a result of the CAPTCHA from the device. A processor performs an action based on the result.Type: GrantFiled: July 14, 2021Date of Patent: November 26, 2024Assignee: International Business Machines CorporationInventors: Manish Anand Bhide, Madan K Chukka, Sai Prasanth Vuppala, Phani Kumar V. U. Ayyagari, PurnaChandra Rao Jasti
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Patent number: 12149573Abstract: Systems and methods for facilitating communication between users of a collaboration service on a private network are presented. A first server is configured to host the collaboration service. A first client device corresponds to a registered user of the collaboration service. The first client device is in direct communication with the first server to use the collaboration service. An application portal instance is configured and deployed by a second server. The application portal instance is configured to directly connect to the first server. The application portal instance provides an indirect connection to the first server. The indirect connection is hidden from users of the system. A second client device corresponds to a non-registered user of the collaboration service. The second client device connects directly to the application portal instance. The first client device and the second client device communicate over the private network using the collaboration service.Type: GrantFiled: June 21, 2021Date of Patent: November 19, 2024Assignee: Cyber IP Holdings, LLCInventors: Christopher Edward Delaney, Chava Louis Jurado, Carl Bailey Jacobs
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Patent number: 12147976Abstract: This disclosure relates to transaction systems and particularly to transaction systems of a peer-to-peer nature for digital assets. The asset transfer system may store user, user accounts, and transaction information in associated logic tables within a memory of a server hosting the asset transfer system. Through the use of, but limited to, curl functions, the asset transfer system may communicate with remote servers housing user wallets and user wallet information to perform transactions of digital assets between users. Before verification and proof of work can be established to complete the transfer of digital assets, the asset transfer system may report to the users of a transaction the details of the transaction. Users of the asset transfer system need not know encrypted or random keys to perform such digital asset transactions and may transfer digital assets only by identification of a username stored within the asset transfer system.Type: GrantFiled: September 7, 2023Date of Patent: November 19, 2024Assignee: HEALTH ALLIANCE MANAGEMENT, LLCInventor: Zachary Mutter
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Patent number: 12147960Abstract: A method for processing a transaction at a mobile includes: receiving a product identifier of a product; and creating or updating an electronic shopping cart based on the product identifier of the product; receiving a request for performing a transaction task; in response to the request for performing the transaction task, determining a state of the mobile POS device; when the state of the mobile POS device is determined to be unlocked: performing the transaction task; and when the state of the mobile POS device is determined to be locked: rejecting the request for performing the transaction task. Related systems and devices are also disclosed.Type: GrantFiled: June 29, 2022Date of Patent: November 19, 2024Assignee: SHOPIFY INC.Inventors: Luke James Sartori, Daanish Maan, Peter Nitsch, Michael DeFazio, Gregory Moore, Silvana Zaldivar
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Patent number: 12147983Abstract: Systems and methods are directed to a modified device configuration for disposing a NFC compatible user card within a NFC field of a user mobile device so as to enable continuous proximity monitoring based on a status of an NFC link established between the card and the mobile device. The modified device configuration may be utilized to implement card tracking functionality by using a mobile application, running on the mobile device, to generate a timestamp upon detection of change in a connectivity status of the NFC link to the card. The timestamp NFC connectivity data may then be paired with mobile device GPS coordinates, concurrently retrieved from one or more mobile GPS-based navigation applications, to facilitate card tracking functionality as well as multi-factor validation for electronic transactions initiated by the NFC compatible card and/or the mobile device.Type: GrantFiled: January 13, 2023Date of Patent: November 19, 2024Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Kevin Osborn, Wayne Lutz
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Patent number: 12149102Abstract: A wireless power reception device according to one embodiment of the present specification comprises: a power pickup circuit for receiving wireless power from a wireless power transmission device; and a communication/control circuit for communicating with the wireless power transmission device and controlling the transmission of the wireless power, wherein the communication/control circuit performs an authentication protocol of transmitting an authentication request message to the wireless power transmission device and receiving an authentication response message as a response to the authentication request message from the wireless power transmission device, receives, from the wireless power transmission device, a reset message for requesting the reset of the authentication protocol while performing the authentication protocol, and restarts the authentication protocol.Type: GrantFiled: March 8, 2021Date of Patent: November 19, 2024Assignee: LG ELECTRONICS INC.Inventor: Jinho Youn
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Patent number: 12147953Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.Type: GrantFiled: September 11, 2023Date of Patent: November 19, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Lila Fakhraie, Jo Anne Graham, Andrea Renee Leighton, Peter L. Shen, Ravi K. Thota
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Patent number: 12141259Abstract: An information processing apparatus according to the present invention includes: an acquisition unit that acquires biometric information on a user in a procedure area where the user is able to select a first scheme involving use of biometric authentication in a procedure or a second scheme not involving use of the biometric authentication in the procedure; a matching unit that matches the biometric information with registered biometric information on a registrant allowed to use the first scheme and determines whether or not the user is the registrant; and a guidance unit that, when it is determined by the matching unit that the user is the registrant, guides the user for a procedure place corresponding to the first scheme and, when it is determined that the user is not the registrant, generates guidance information about a way to a procedure place corresponding to the second scheme.Type: GrantFiled: March 31, 2020Date of Patent: November 12, 2024Assignee: NEC CORPORATIONInventor: Nobuaki Kawase
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Patent number: 12143368Abstract: Techniques are described that include detecting customer personal information within any appropriate set of data, such as customer communications produced by customer-facing services offered by an organization. Once detected, the customer personal information may be tokenized within the customer communications, making the data appropriate for external systems, such as cloud-hosted applications. The disclosed techniques include a masking service that may be plugged into an on-premises pipeline of any customer-facing service that makes requests to an off-premises, cloud-hosted application. The masking service may apply rule-based detection and/or machine learning-based detection to detect both structured and unstructured customer personal information included in customer communications. The masking service may further tokenize or otherwise obfuscate or replace the detected customer personal information.Type: GrantFiled: November 29, 2023Date of Patent: November 12, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Chintan Mehta, Michelle Moore, Ramakrishna Swarup Pogalur, Kunal Jha, Kapil Soni, Venkatesan Chinnaraju, Upul D. Hanwella, Ranganathan Kanchi
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Patent number: 12141794Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.Type: GrantFiled: May 9, 2023Date of Patent: November 12, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: John Corwin Hunter, Umar Farooq, Tiffany Ashley Wan, Naveen Mallela, Christine Moy, Tyrone Lobban, Oliver Harris, Palka S. Patel
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Patent number: 12136093Abstract: Techniques to improve fraud detection for financial institutions maintaining a network of financial terminals. These techniques are applicable towards identifying instances of multiple account usage with at least one of the financial terminals. Example financial terminals known as Automated Teller Machines (ATMs) capture image data whenever a visitor initiates a financial service (and/or receives something of value) and leverage the techniques described herein to determine whether the visitor is engaged in multiple account usage. Such multiple account usage may occur when the visitor withdraws cash against two different accounts. These techniques are further applicable towards securing the two different accounts from misappropriation.Type: GrantFiled: June 17, 2022Date of Patent: November 5, 2024Assignee: Capital One Services, LLCInventors: Vincent Pham, Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad, Anh Truong
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Patent number: 12131315Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: September 6, 2023Date of Patent: October 29, 2024Assignee: Biometric Payment Solutions, LLCInventor: Joan Lee Tibor
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Patent number: 12131328Abstract: Systems, methods, and computer program products are provided herein for hyperspectral imaging based authentication. An example method includes receiving check data associated with at least a first user and extracting one or more field details from the check data. By leveraging a hyperspectral imaging module, the method further includes generating hyperspectral image data associated with the one or more extracted field details and determining one or more spectral characteristics associated with the one or more extracted field details based on the hyperspectral image data. The method further includes determining a tampering indication for the check data based on the one or more spectral characteristics. The spectral characteristics may include one or more reflectance values associated with extracted field details across a plurality of spectral bands.Type: GrantFiled: September 13, 2022Date of Patent: October 29, 2024Assignee: BANK OF AMERICA CORPORATIONInventors: Saurabh Arora, Sheetal Bhatia, Sandeep Kumar Chauhan