Requiring Authorization Or Authentication Patents (Class 705/44)
  • Patent number: 10997590
    Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: May 4, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Keshav A. Narsipur
  • Patent number: 10996708
    Abstract: This invention relates to a method to compensate by a server a clock deviation of a card i by maintaining a time base Tbase (i) synchronized with card i, the method comprising the steps of: receiving at a time TS a dynamic card verification dCVV code value generated by card i; providing a set of at least two dCVV code corresponding to two successive dCVV time periods; if the dCVV code received from card i corresponds to one of the dCVV codes of the provided set but is different from the reference dCVV code, determine the minimum possible timing drift Min_td between the time base maintained by the server for the card and the time base Tbase(i) of the card; updating time base Tbase(i) by addition of a time drift correction equal to the minimum possible time drift Min_td.
    Type: Grant
    Filed: February 28, 2017
    Date of Patent: May 4, 2021
    Assignee: THALES DIS FRANCE SA
    Inventors: Pascal Leroy, Hervé Poirier, Stéphane Touvet
  • Patent number: 10997608
    Abstract: A system and method for generating an insult rate and reconfiguring an automated decisioning workflow includes configuring a testing group based on sampling from online events having an adverse disposal decision computed by an automated decisioning workflow computer that is configured with machine learning-based threat score thresholds that, if satisfied, causes a computation of a disallow decision or a block decision for a given online event; evaluating a performance and collecting performance data of distinct members of the testing group over a testing period; computing an insult rate for the testing group based on the performance data; computing an insult rate equilibrium for the automated decisioning workflow computer based on the performance data; evaluating the insult rate against the insult rate equilibrium; and reconfiguring adverse decisioning thresholds based on the evaluation of the insult rate of the testing group against the insult rate equilibrium for the automated decisioning workflow computer.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: May 4, 2021
    Assignee: Sift Science, Inc.
    Inventors: Rajiv Veeraraghavan, Pradhan Bagur Umesh, Rishabh Kothari, Abbey Chaver
  • Patent number: 10984423
    Abstract: A method of improving the training and performance of predictive models. A first method of operating an artificial intelligence machine produces predictive model language documents describing improved predictive models that generate better business decisions from raw data record inputs. A second method of operating an artificial intelligence machine including processors for predictive model algorithms produces and outputs better business decisions from raw data record inputs. Both methods enrich the raw data records their processors are fed by deleting data fields with data values that have little benefit in decision making, and that derive and add new data fields from information sources then available that do benefit in the decision making of the artificial intelligence machine through improved accuracies of prediction.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: April 20, 2021
    Inventor: Akli Adjaoute
  • Patent number: 10984414
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for associating payment information from a payment transaction with a user account. One of the methods includes receiving an indication of a payment transaction between a customer and a merchant, wherein the payment transaction is associated with payment information. A customer parameter that identifies an account with the payment service system is received. If the customer has consented to associate the payment information with the account of the payment service system based on receiving the customer parameter that identifies the account with the payment service system, the account is identified based on the received customer parameter, and the payment information is associated with the identified account of the payment service system.
    Type: Grant
    Filed: October 30, 2017
    Date of Patent: April 20, 2021
    Assignee: SQUARE, INC.
    Inventors: Matthew Wilson, William Henderson
  • Patent number: 10984469
    Abstract: For a financial consolidation process, a graphical user interface is presented, providing task icons representing financial consolidation tasks for business entities, including a view with business entities along a business entity axis and tasks along a task axis in a grid. Tasks for business entities are presented as task icons at an intersection of axes. A visual feature of each task icon indicates status, including indication of receipt status, so that the status of submissions is presented efficiently to the user. Responsive to receiving a user selection of one of the task icons, the same view shows an identification for a person assigned to the task of the selected task icon, wherein the status and person identification in the view enables the user to efficiently identify and contact assigned persons for expediting completion of missing submissions.
    Type: Grant
    Filed: December 5, 2018
    Date of Patent: April 20, 2021
    Assignee: International Business Machines Corporation
    Inventors: Morvarid Aprin, Rickard U. Enander, Martin Olsson Wärn, Peer M. Törngren, Lisa F. Walterfeldt, Joachim C. Wilsson
  • Patent number: 10984396
    Abstract: A method for providing data values to an automated program includes: storing, in an account database, a plurality of account profiles, wherein each account profile includes at least an account identifier and a digital token value related to a user account; executing, by a querying module, a query on the account database to identify a specific account profile; transmitting, by a transmitting device, the digital token value included in the specific account profile to a first computing system; receiving, by a receiving device, a plurality of data values associated with a user corresponding to the user account related to the specific account profile based on the digital token value from the first computing system; and transmitting, by the transmitting device, one or more data values of the plurality of data values to an automated application program executed by a second computing system.
    Type: Grant
    Filed: April 6, 2017
    Date of Patent: April 20, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Adam Kenneth Hosp
  • Patent number: 10977635
    Abstract: A pre-defined condition for a pending transaction is satisfied. In response, a real-time request for authorizing the pending transaction is sent to an interested party of the pending transaction. Based on a response received from the interested party, a notice is sent to a Point-Of-Sale (POS) terminal indicating whether the pending transaction was authorized and completed or denied.
    Type: Grant
    Filed: January 30, 2017
    Date of Patent: April 13, 2021
    Assignee: NCR Corporation
    Inventor: Michael John Storiale
  • Patent number: 10977660
    Abstract: A system can include one or more processors and non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform a method for automatically processing an online return request. The method performed by the system can receive a refund request from a user computer used by a customer of a grocery store, the refund request for returning a grocery item (a) previously purchased as part of a transaction of the grocery store and (b) paid for by a payment method via the transaction; and process a refund solution based on the transaction and the grocery item. In this system, the method can process the refund solution by determining a returnable status of the grocery item according to one or more returnability rules dynamically generated by a machine learning model. If the returnable status of the grocery item is negative, the method performed by this system can deny the return request.
    Type: Grant
    Filed: January 31, 2019
    Date of Patent: April 13, 2021
    Assignee: WALMART APOLLO, LLC
    Inventors: Alyssa Rae Thomas, Ridhima Kaur Arora, Vidyanand Krishnan
  • Patent number: 10977655
    Abstract: A business method to reverse an authorization request denial made according to general guidelines if the particular customer and the particular transaction pass various threshold tests. Alternatively, each customer is assigned different and independent personal thresholds for transaction types, amounts, times, locations, and context. These thresholds are then applied if an instant payment transaction request is about to be declined.
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: April 13, 2021
    Assignee: Brighterion, Inc.
    Inventor: Akli Adjaoute
  • Patent number: 10970703
    Abstract: A novel method of allowing secure payments from a purchaser to a seller through the utilization of a combined server platform/vault server system. Such a system entails the generation of a subscription service that allows for authentication of a consumer's credit card in terms of pre-approved identification for future transactions. Such a system initiates a tokenization procedure through transfer of credit card information to the server platform through the vault program and to issuing banks/card providers. Upon acceptance thereof, the vault server generates a token that correlates to a specific credit card of a specific user that is then stored on the server platform. Upon request from a subscribing merchant for acceptance of a tokenized card for payments, the user merely needs to provide an identifying code to access the card for such a purpose.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: April 6, 2021
    Assignee: PAAY LLC
    Inventors: Aaron Mendlowitz, James Ruffer, III
  • Patent number: 10972706
    Abstract: A surveillance system (1) includes an area information acquisition unit (101), a position information acquisition unit (102), a candidate determination unit (103), and a notification unit (104). The area information acquisition unit (101) acquires information of a surveillance-desired area. The position information acquisition unit (102) acquires pieces of position information of a plurality of portable terminals (20), each portable terminal performing surveillance using an image capturing unit. The candidate determination unit (103) determines a candidate portable terminal (20) to be moved to the surveillance-desired area from among the plurality of portable terminals (20) based on the acquired pieces of position information of the plurality of portable terminals (20). The notification unit (104) outputs a notification to the candidate portable terminal requesting to move to the surveillance-desired area.
    Type: Grant
    Filed: August 16, 2016
    Date of Patent: April 6, 2021
    Assignee: NEC CORPORATION
    Inventors: Ryoma Oami, Katsuhiko Takahashi, Yuusuke Konishi, Hiroo Ikeda, Junko Nakagawa, Kosuke Yoshimi, Yukie Ebiyama, Ryo Kawai, Takuya Ogawa
  • Patent number: 10970706
    Abstract: A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: April 6, 2021
    Assignee: INGENICO GROUP
    Inventor: Pierre Quentin
  • Patent number: 10970539
    Abstract: An imaging system associates one or more the iris images with a selfie face image for biometric identity. The imaging system captures a first image of a subject using light in a visible wavelength range and captures a second image of the subject using light in a near infrared wavelength range. The image system retrieves a selfie face image of the subject, and matches a face portion of the first image against a face portion of the selfie face image, wherein the face portion for each at least comprises an iris. In response to the matching, the image system segments one or more iris portions from the second image to generate one or more iris images and binds the first image and the one or more iris images to the selfie face image for biometric identity.
    Type: Grant
    Filed: September 19, 2018
    Date of Patent: April 6, 2021
    Assignee: Tascent, Inc.
    Inventor: Alastair Ross Partington
  • Patent number: 10963959
    Abstract: A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.
    Type: Grant
    Filed: March 12, 2018
    Date of Patent: March 30, 2021
    Assignee: Consumerinfo. com, Inc.
    Inventors: Jeremy Wasser, Michelle Felice-Steele, Melinda Nies, Luke Giltner
  • Patent number: 10963847
    Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: March 30, 2021
    Assignee: Google LLC
    Inventors: Travis Harrison Kroll Green, Narelle Cozens, Peter Schmitt, Michael DePasquale, Avery Pennarun, Boris Mizhen
  • Patent number: 10963883
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.
    Type: Grant
    Filed: January 28, 2019
    Date of Patent: March 30, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventor: Sharon Kay Haverlah
  • Patent number: 10958661
    Abstract: Systems for providing multi-layer authentication are provided. In some examples, a system may receive data associated with a signal detected by a computing device. The signal may be emitted from a smart processing device. The received signal data may be compared to pre-stored signal data to determine whether a match exists. If not, an instruction disabling functionality of the smart processing device may be generated and transmitted to the smart processing device. If so, an instruction enabling functionality of the smart processing device may be generated and transmitted. The system may generate a request for next layer authentication data. The request may be transmitted to one or more computing devices and next layer authentication response data may be received. The next layer authentication response data may be compared to pre-stored next layer authentication data to determine whether a match exists.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: March 23, 2021
    Assignee: Bank Of America Corporation
    Inventor: Manu Kurian
  • Patent number: 10958635
    Abstract: A device may collect environmental information surrounding the device. Based on the collected environmental information, the device may automatically identify a potentially secured location that has lower security risk. When a potentially secured location is identified, the device may prompt the user to setup a security profile having reduced security requirement for the secured location. The device may store and associate the security profile with the secured location. The device may activate the security profile with reduced security requirement when the device is in the secured area. Further, the security profile may require that certain features of the device be disabled when the device is in the secured location.
    Type: Grant
    Filed: February 7, 2019
    Date of Patent: March 23, 2021
    Assignee: PAYPAL, INC.
    Inventors: Nate L. Lyman, Roy L. Camp, Eric J. Farraro, John R. Tapley
  • Patent number: 10958784
    Abstract: A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.
    Type: Grant
    Filed: March 11, 2020
    Date of Patent: March 23, 2021
    Assignee: Capital One Services, LLC
    Inventors: Brendan Way, Kaylyn Gibilterra, Abdelkader M'Hamed Benkreira
  • Patent number: 10956974
    Abstract: A system for dynamic origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate a price for a capital product offer to a first subscriber of a point-of-sale (POS) subscription service, where the interest rate is generated by employing a probability of default (PD) value that is derived from historical POS data corresponding to all subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ first historical POS data for an establishment corresponding to the first subscriber to predict future POS data using a neural network trained on the historical data corresponding to all subscribers, and to employ the future POS data to generate a predicted total revenue over a payback period for the first subscriber.
    Type: Grant
    Filed: May 8, 2019
    Date of Patent: March 23, 2021
    Assignee: Toast, Inc.
    Inventors: Jared J. Rand, Kevin A. Vo, Alan Z. Zhao
  • Patent number: 10956910
    Abstract: An application server for automated data transfers and associated methods are disclosed.
    Type: Grant
    Filed: August 15, 2018
    Date of Patent: March 23, 2021
    Assignee: Wave Financial Inc.
    Inventors: Mani Fazeli, Nishkala Balakrishnan, Felix Crux, Reza Rahimi, Les Whiting
  • Patent number: 10956906
    Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: March 23, 2021
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Michael Moring, Robert Andersen, Daniele Perito, Ayokunle Omojola
  • Patent number: 10949845
    Abstract: A transaction message processing server is configured to receive an authorization request message from a sender computing device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorization request message, and interpret the decision data element as an indicator that the transaction is highly authenticated. The server is further configured to retrieve a reason code that identifies the transaction as a highly authenticated transaction, and embed the reason code into the authorization request message to form an enhanced authorization request message. The server is still further configured to transmit the enhanced authorization request message including the reason code to an issuer computing device, wherein the enhanced authorization request message is configured to enable the issuer computing device to bypass at least one issuer authentication process.
    Type: Grant
    Filed: November 11, 2016
    Date of Patent: March 16, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Peter Goldenberg, Johan Gerber, Richard Smith
  • Patent number: 10949854
    Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.
    Type: Grant
    Filed: August 14, 2019
    Date of Patent: March 16, 2021
    Assignee: State Farm Mutual Automobile Insurance Company
    Inventors: Timothy Kramme, Elizabeth Flowers, Reena Batra, Miriam Valero, Puneit Dua, Shanna L Phillips, Russell Ruestman, Bradley A Craig
  • Patent number: 10944574
    Abstract: A method for providing a virtual asset service based on a DID (decentralized identifier) is provided. The method includes steps of: a service providing server (a) if VADs (virtual asset addresses) are registered as a whitelist and if virtual asset transmission is requested, (a1) transmitting the virtual asset from a sender's VAD to a first VAD, (a2) if the first VAD is not registered, allowing a sender's device to request for registration of receiver's KYC, transmit or register a receiver's signature to the service providing server or in a data hub, and (3) transmit a receiver's DID to the service providing server; and (b) (i) acquiring a receiver's public key and a second VAD, or acquiring the signature from the data hub (ii) verifying the signature and the first VAD, and (iii) if the first and the second VADs are identical, registering the first VAD and transmitting the virtual asset.
    Type: Grant
    Filed: July 2, 2020
    Date of Patent: March 9, 2021
    Assignee: COINPLUG, INC.
    Inventors: Joon Sun Uhr, Joo Han Song
  • Patent number: 10943222
    Abstract: A method can include receiving a first payment from a first payment terminal in a first format, converting the first payment to a unified format, receiving a second payment from a second payment terminal in a second format different from the first format, and converting the second payment to the unified format.
    Type: Grant
    Filed: September 29, 2014
    Date of Patent: March 9, 2021
    Assignee: NCR Corporation
    Inventors: Mervin Amos, Monish Meiappan
  • Patent number: 10942842
    Abstract: Certain aspects involve building and debugging models for generating source code executed on data-processing platforms. One example involves receiving an electronic data-processing model, which generates an analytical output from input attributes weighted with respective modeling coefficients. A target data-processing platform is identified that requires bin ranges for the modeling coefficients and reason codes for the input attributes. Bin ranges and reason codes are identified. Modeling code is generated that implements the electronic data-processing model with the bin ranges and the reason codes. The processor outputs source code, which is generated from the modeling code, in a programming language used by the target data-processing platform.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: March 9, 2021
    Assignee: EQUIFAX INC.
    Inventors: Rajesh Indurthivenkata, Lalithadevi Venkataramani, Aparna Somaka, Xingjun Zhang, Matthew Turner, Bhawana Koshyari, Vijay Nagarajan, James Reid, Nandita Thakur
  • Patent number: 10943236
    Abstract: Disclosed is a novel system and method for managing payment card fraud. More particularly, accessing information associated with at least one card holder after the card holder has physically passed through at least one security checkpoint in which the card holder's identity has been authenticated. Next at least one payment card identifier associated with the card holder is received. A payment card profile associated with the payment card is updated. In one example, information from a ticket is also used with the payment card identifier to manage the probability of rejection. Numerous embodiments are disclosed.
    Type: Grant
    Filed: September 11, 2018
    Date of Patent: March 9, 2021
    Assignee: International Business Machines Corporation
    Inventors: James R. Kozloski, Clifford A. Pickover
  • Patent number: 10937016
    Abstract: A method and an apparatus for binding a bank card in a payment application are disclosed. The method includes the following steps: obtaining a picture of a to-be-bound bank card; identifying the picture of the bank card to obtain bank card information, where the bank card information includes a card number of the bank card and information about a bank card pattern; searching, based on the information about the bank card pattern, for a bank card background picture that matches the information about the bank card pattern; and superimposing the card number of the bank card on the bank card background picture to obtain a virtual bank card consistent with the bank card. A technical solution provided in this application is advantageous to desired user experience.
    Type: Grant
    Filed: February 14, 2019
    Date of Patent: March 2, 2021
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventors: Yu Li, Xiujie Huang, Changqi Hu
  • Patent number: 10937027
    Abstract: Systems and methods for managing token-based transactions are disclosed. According to one embodiment, a method for managing token-based transactions may include (1) a token manager server comprising at least one computer processor receiving, from a customer, a request to provide a payment token to a merchant; (2) the token manager server receiving, from the customer, an identification of a first financial instrument and a second financial instrument to associate with the payment token; (3) the token manager server receiving, from the customer, an allocation of a transaction between the first financial instrument and the second financial instrument; (4) the token manager server generating the payment token and associating the payment token with the first financial instrument and the second financial instrument; and (5) the token manager server providing the payment token to the merchant.
    Type: Grant
    Filed: November 8, 2016
    Date of Patent: March 2, 2021
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Benjamin Sokol, Ryan Andrew Schlosser, Jordan Butler, Howard Spector, Scott H. Ouellette, Winter P. Ng
  • Patent number: 10937022
    Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.
    Type: Grant
    Filed: August 16, 2017
    Date of Patent: March 2, 2021
    Assignee: XRomb Inc.
    Inventors: Mikhail Kushevsky, Michael Fainshtein, Valdis Andris Martinsons
  • Patent number: 10937038
    Abstract: Embodiments of the present invention provide a system for facilitating navigation of utilization of resources. The system is configured for identifying one or more priorities or one or more events associated with a user, generating one or more routes associated with at least one of the one or more priorities and the one or more events, transmitting the one or more routes to a user device of the user, transmitting first set of control signals to the user device to prompt the user to select at least one route of the one or more routes, receiving the at least one route from the user device, and transmitting a second set of control signals to the user device to transform the graphical user interface of the user device to display the at least one route and one or more graphics associated with the at least one route.
    Type: Grant
    Filed: February 5, 2019
    Date of Patent: March 2, 2021
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Katherine Dintenfass, Leslie Jaye Lochman, Amy Elizabeth Magazu
  • Patent number: 10937032
    Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.
    Type: Grant
    Filed: September 28, 2017
    Date of Patent: March 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Sharon A. Rosano
  • Patent number: 10929838
    Abstract: A card not present (CNP) transaction system includes a transaction control device for scanning a barcode to obtain transaction information and an address of a middleware and to send a connection message to the address of the middleware according to the transaction information, the middleware for establishing a connection with a transaction control device according to the connection message received, to obtain a transaction token and a transaction amount from the transaction control device through the connection and to send a transaction message according to the transaction token and the transaction amount, and an acquirer server for receiving the transaction message to establish a connection with the middleware and to generate a transaction confirmation message to the middleware according to the transaction message after verifying the transaction token.
    Type: Grant
    Filed: January 16, 2019
    Date of Patent: February 23, 2021
    Assignee: LEADOT INNOVATION, INC.
    Inventor: Justin Wang
  • Patent number: 10929852
    Abstract: A apparatus and method is disclosed for optimizing authorization approval in a proposed payment card transaction. In one embodiment an issuing country of the cardholder issuing bank is identified together with a plurality of potential merchant acquiring banks that could be used to process an authorization request for the proposed payment card transaction. Using historical data regarding previous proposed payment card transactions, historical approval rates are identified for each of the identified potential merchant acquiring bank configurations. The merchant acquiring bank configuration with the highest historical approval rating is selected as the optimal merchant bank configuration for processing authorization approval.
    Type: Grant
    Filed: July 13, 2016
    Date of Patent: February 23, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Justin Howe
  • Patent number: 10922686
    Abstract: A technique for improving the security of a communication device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the communication device. When the communication device is interacting with a reader device to conduct a transaction, the communication device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.
    Type: Grant
    Filed: March 28, 2019
    Date of Patent: February 16, 2021
    Assignee: Visa U.S.A. Inc.
    Inventors: Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
  • Patent number: 10922766
    Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, and escrow agent identifier, and account information related to an escrow agent account for the escrow agent maintained with a financial institution, the application server further configured to receive an image of the a check associated with a payment related to the transaction from a buyer or buyer agent, forward the check image, payment information, and escrow agent account information to the financial institution to cause a deposit into the escrow agent account, and generate and send notifications to the escrow agent and buyer or buyer agent.
    Type: Grant
    Filed: February 2, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922769
    Abstract: A system for storing data related to a transaction and for facilitating exchange of the data related thereto, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier and a plurality of identifiers of parties related to the transaction, the parties registered with the application server based on the associated identifier, the application server further configured to associate identifiers of one or more parties with the transaction based in part on a transaction identifier provided by a device associated with the one or more parties, receive data representative of one or more documents from the device, store data representative of one or more documents and an association of the data related to the transaction based in part on the identifier of the party and the transaction identifier, and, in response to receiving the data representative of the one or more
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922770
    Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, an escrow agent identifier and account information related to an escrow agent account maintained with a financial institution, the application server further configured to: receive transaction data associated with a payment from an account of a buyer related to the transaction, an identification of an escrow agent, and a transaction identifier related to the transaction from a device associated with an agent of the buyer, the transaction being between the buyer and a seller; forward the transaction data to the financial institution to cause a deposit into the escrow agent account based on a comparison of the identified escrow agent with the escrow agent identifier associated with the transaction, wherein the e
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922768
    Abstract: A system for storing data related to a transaction and for facilitating the transaction from at least one of a plurality of payment sources, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, a recipient identifier, and account information related to a recipient account for the recipient maintained with a financial institution, the application server further configured to receive transaction data from a user device associated with a payment from at least one of a plurality of payment sources and related to the transaction, the transaction data comprising the transaction identifier and the recipient identifier, generate an electronic check based on the transaction data, and forward the electronic check and recipient account information to the financial institution to cause a deposit into the recipient account.
    Type: Grant
    Filed: March 22, 2018
    Date of Patent: February 16, 2021
    Assignee: ZOCCAM TECHNOLOGIES, INC.
    Inventor: Ashley Cook
  • Patent number: 10922673
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
    Type: Grant
    Filed: February 9, 2018
    Date of Patent: February 16, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino D'Agostino, Perry Aaron Jones Haldenby, Dean C. N. Tseretopoulos, Jeffrey Aaron Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 10922688
    Abstract: A computer-implemented system and method for performing social network secure transactions is provided. A list of payment recipients each associated with a hashtag is maintained for a user. A chat session of the user is monitored on a social network platform. During the chat session, a message associated with one of the hashtags and indicating a possible transfer of funds is identified from the user. Transfer of the chat session to a secure payment platform is triggered based on the identified message. A message also associated with the hashtag and having encrypted payment information for a payment transaction is received via the secure payment platform. The payment information is decrypted and validation of the decrypted payment information is performed for the transaction. A transfer of the user to the social network platform is triggered and a notification of validation is transmitted to the recipient associated with the message hashtag.
    Type: Grant
    Filed: February 16, 2018
    Date of Patent: February 16, 2021
    Assignee: SmartBotHub, Inc.
    Inventors: Andrew Alan Wells, Alkarim “Al” Lalji
  • Patent number: 10915802
    Abstract: A request including data to be recorded in an information code is transmitted to a server from a terminal. Code generation information for generating an information code, in which the data is to be recorded, is received from the server. The information code is generated based on the received code generation information by the terminal. Practically, in response to the request, the server obtains an array pattern of the light-color and dark-color cells in the code region necessary for generating the information code in which the data is recorded. Information on the array pattern is set as code generation information and transmitted to the terminal. By another example, in the server, code print information including an array pattern of the light-color and dark-color cells in the code region can be obtained, and transmitted to the server for printing by the terminal.
    Type: Grant
    Filed: January 22, 2019
    Date of Patent: February 9, 2021
    Assignee: DENSO WAVE INCORPORATED
    Inventors: Chiaki Baba, Atsushi Tano
  • Patent number: 10917498
    Abstract: Disclosed are a service processing method and apparatus, and a service server. The method comprises: receiving an operation request, sent by a first client device, for requesting to perform a service operation; generating a target service random code for a first account according to the operation request; receiving an operation response that is sent by a second client device according to the target service random code; identifying the first account by using the operation response; and sending account information of the first account to the second client device, so that the second client device completes the service operation based on the account information. In embodiments of the present application, a service processing process is completed based on a service random code that is generated by a service server in real time; therefore, security is relatively high, and interference from the external natural environment is avoided, and reliability of service processing can be effectively improved.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: February 9, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Lei Zhang
  • Patent number: 10911461
    Abstract: Implementations of this specification include identifying a plurality of transactions to be executed in the blockchain, wherein the transactions are arranged in an execution order, wherein the transactions include one or more smart contract calls to smart contracts each having a whitelist identifying one or more accounts that are authorized to execute the smart contract, and wherein the execution order includes a smart contract call to a smart contract that does not have a whitelist arranged after the plurality of transactions; identifying groups of transactions within the plurality of transactions; instructing nodes of the blockchain network to execute each of the groups of transactions in parallel; determining that the nodes of the blockchain network have completed executing all of the groups of transactions; and in response, instructing the nodes of the blockchain network to execute the smart contract call that does not include a whitelist.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: February 2, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Ning Xia, Guilu Xie, Fuxi Deng
  • Patent number: 10909536
    Abstract: A device may process a message associated with an account to identify a first identifier that identifies a third party. The device may identify a match between the first identifier and transaction information related to an individual associated with the account. The transaction information may include a set of first identifiers that identify a respective set of third parties. The transaction information may facilitate identification of one or more messages that is likely to include account information. The device may tag the message with a second identifier based on the match. The device may receive, from another device, the message based on the message being tagged with the second identifier. The device may process the message to identify the account information related to another account. The device may extract identified account information from the message. The device may perform an action related to extracted account information or the message.
    Type: Grant
    Filed: September 14, 2018
    Date of Patent: February 2, 2021
    Assignee: Capital One Services, LLC
    Inventors: Dan Givol, Victor Mayaki, Zviad Aznaurashvili
  • Patent number: 10908894
    Abstract: A method of upgrading firmware of an adapter includes transmitting a set of n data blocks of first upgrade file to the adapter, receiving a first response information of the adapter based on the set of n data blocks, and determining that the updating procedure of the adapter fails when the first response information indicates that the adapter fails to receive all of the n data blocks. In the method, a mobile terminal transmits the upgrade file to the adapter and the adapter sends determination information to the mobile terminal after the adapter receives the upgrade file having a predetermined size. In a time interval, if the mobile terminal fails to receive the determination information or the adapter does not receive the upgrade file, the upgrading firmware of the adapter fails.
    Type: Grant
    Filed: December 29, 2018
    Date of Patent: February 2, 2021
    Assignee: GUANGDONG OPPO MOBILE TELECOMMUNICATIONS CORP., LTD.
    Inventors: Chen Tian, Jialiang Zhang, Jun Zhang, Fuchun Liao
  • Patent number: 10909603
    Abstract: The present disclosure relates to a method and system for providing item recommendations to a user in a virtual marketplace. A virtual persona associated with a primary account number is identified. A merchant data request message requesting merchant data identifying preferred merchants to whom transactions have been made from the first payment account using the PAN is sent to a first remote server. In response, a set of merchant data associated with preferred merchants is received from the first remote server. An item data request message requesting item data associated with the preferred merchants is sent to a second remote server. In response, a set of item data associated with items that are associated with at least one of the preferred merchants is received from the second remote server. A recommendation of at least one of the items is provided to the user.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: February 2, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Ahmed Hosny
  • Patent number: 10901597
    Abstract: Various systems and methods for providing ATM screen personalization are described herein. A system includes a display; a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receiving, at an ATM, an ATM configuration setting from a non-ATM channel, the ATM configuration setting set by a user of the ATM; and displaying a user interface on the display, the user interface configured with the ATM configuration setting.
    Type: Grant
    Filed: April 22, 2019
    Date of Patent: January 26, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Prasanth Nandanuru, Dennis E. Montenegro, Shiju Thukalankuzhy John, Yevanna Yejjala, Chinababu Kona