Secure Transaction (e.g., Eft/pos) Patents (Class 705/64)
  • Patent number: 10262321
    Abstract: Embodiments of the present disclosure are directed to, among other things, methods, systems, and computer program instructions related to building and managing secure digital wallets, a general ledger, and a transaction structure to securely and anonymously transfer digital coins from one wallet in a computing device to another wallet in the same device or another computing device in which both computing devices are connected via Internet or any other network medium and protocols.
    Type: Grant
    Filed: June 30, 2015
    Date of Patent: April 16, 2019
    Inventors: Ramanathan Ramanathan, Anirudh Ramanathan
  • Patent number: 10255591
    Abstract: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.
    Type: Grant
    Filed: December 7, 2010
    Date of Patent: April 9, 2019
    Assignee: Visa International Service Association
    Inventors: Oleg Makhotin, Tom Purves, Chris Gardner
  • Patent number: 10255626
    Abstract: A method and device for sending and receiving virtual goods are provided. On detecting an invocation request from a virtual goods package generation interface, a server obtains the virtual goods package generation parameters included in the invocation request. The server transfers the virtual goods corresponding to the total amount of virtual goods in the account corresponding to the invoker client to the account corresponding to the server. Upon success of virtual goods transfer, the server generates a virtual goods package and a link for receiving the virtual goods package based on the virtual goods package generation parameters. The server sends the receiving link to the recipient client so that the recipient client interacts with the server to receive the virtual goods package by using the receiving link.
    Type: Grant
    Filed: May 19, 2015
    Date of Patent: April 9, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Xiaotong You, Li Huang, Chao Zhou, Chen Gong, Yaya Liu, Canhui Huang
  • Patent number: 10242356
    Abstract: Informing near field communication (NFC) payment readers of NFC target device payment application availability. A payment application executing under a host operating system of an NFC target device formats a SELECT proximity payment system environment (PPSE) RESPONSE as one or more NFC Application Protocol Data Units (APDUs). The SELECT PPSE RESPONSE is formatted to respond to a SELECT PPSE command from an NFC payment reader. The SELECT PPSE RESPONSE includes a list of one or more Application Identifiers (AIDs) corresponding to one or more payment options available on the NFC target device. The payment application communicates the formatted SELECT PPSE RESPONSE to a PPSE applet executing on the NFC target device. The PPSE applet receives a SELECT PPSE command from an NFC payment reader. The PPSE applet communicates the SELECT PPSE RESPONSE to the NFC payment reader, in response to receiving the SELECT PPSE command from the NFC payment reader.
    Type: Grant
    Filed: August 25, 2015
    Date of Patent: March 26, 2019
    Assignee: GOOGLE LLC
    Inventor: Hiteshkumar M. Shah
  • Patent number: 10231622
    Abstract: There are disclosed systems, devices, and methods for generating insights relating to patient health using a social networking platform interconnecting a patient with a plurality of care givers. The patient is provided access to a computer application configured to solicit and collect patient data from the patient, the computer application selected based on at least one characteristic of the patient. First patient data reflective of the health condition of the patient, as collected by the computer application, are received through the social networking platform. A communication from a care giver is transmitted to the patient through the social networking platform. Second patient data reflective of the health condition responsive to the transmitted communication are received through the social networking platform. The first and second patient data are analyzed to determine at least one insight relating to health of the patient; and a report is generated to present the insight.
    Type: Grant
    Filed: February 5, 2015
    Date of Patent: March 19, 2019
    Assignee: SELF CARE CATALYSTS INC.
    Inventors: Grace Castillo Soyao, Jared Ring Adams, Zenon Harley
  • Patent number: 10235667
    Abstract: A payment terminal can have an application processing unit coupled to a transaction processing unit. The transaction processing unit can receive payment information from a payment device via a payment interface coupled to the transaction processing unit. The transaction processing unit can encrypt the payment information in accordance with a standard payment protocol and provide the encrypted payment information and other protocol dependent information to the application processing unit. The application processing unit can execute a point-of-sale application that can have the transaction processing unit acquire the payment information and have the application processing unit transmit the encrypted payment information and other protocol-dependent information from the transaction processing unit to a payment server.
    Type: Grant
    Filed: September 3, 2018
    Date of Patent: March 19, 2019
    Assignee: Square, Inc.
    Inventors: Afshin Rezayee, Yue Yang, Jesse Wilson, Kevin Ng
  • Patent number: 10223682
    Abstract: In certain embodiments, an electronic device can include a secure element that detects a mechanical input. The mechanical input can correspond to an instruction to transmit securely stored payment information to another device and/or to release such information to an application on the device (e.g., for use in an in-app commerce transaction). This feature can inhibit or prevent unauthorized transmission of payment information. When the mechanical input is detected, payment information can be transmitted to a point of sale (POS) terminal (e.g., via near-field communication) or released to an app on the device. Further, a user can either use default payment information or interact with the device (before or after providing the mechanical input) to select appropriate payment information for a transaction. For example, the user can select between credit cards, debit cards and/or stored-value cards (e.g., transit card).
    Type: Grant
    Filed: June 17, 2016
    Date of Patent: March 5, 2019
    Assignee: Apple Inc.
    Inventors: Jeremy T. Brown, Zachary A. Rosen, Morgan J. Grainger
  • Patent number: 10223695
    Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: March 5, 2019
    Assignee: CardinalCommerce Corporation
    Inventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
  • Patent number: 10219116
    Abstract: One or more location analysis computing devices and methods are disclosed herein for determining the position of a mobile device (smartphone, tablet computer) within an interior of a vehicle. The position of the mobile device may be calculated by detecting changes in accelerometer data. The accelerometer data may first need to be translated to determine corresponding axes, since the device may not be right side up (e.g., in a pocket). The vehicle may travel over road discontinuities such as bumps, and calculating the position of the mobile device may be based on the different magnitude and angle resulting from a first tire and a second tire hitting the bump. Data from vehicle sensors or other mobile device sensors may also be used in the calculating. Once the position is determined, commands may be sent to the mobile device to deactivate certain functionality, or to a remote server for further processing.
    Type: Grant
    Filed: March 10, 2016
    Date of Patent: February 26, 2019
    Assignee: Allstate Insurance Company
    Inventors: Soren K. Lundsgaard, Dana Ferguson, Jared S. Snyder
  • Patent number: 10204360
    Abstract: Certain aspects relate to systems and methods for processing payments to trigger release of digital media content for display on digital signage devices. In certain embodiments, a management server receives a user input about payment remittance information relating to an advertising campaign, which includes media content stored at the management server. The management server then transmits the payment remittance information to an associated financial institution for processing. When the financial institution sends back a confirmation that the payment remittance has been processed, the management server updates the advertising campaign to reflect the confirmation.
    Type: Grant
    Filed: December 12, 2013
    Date of Patent: February 12, 2019
    Assignee: AMERICAN MEGATRENDS, INC.
    Inventor: Clas Gerhard Sivertsen
  • Patent number: 10204378
    Abstract: Flexible fiat and cryptocurrency Payment Services (FfcPS) are disclosed for travel and credit cards. This invention applies to U.S. Dollar, European Euro and other fiat, and Bitcoin, Ethereum and other cryptocurrencies. Merchants that use this invention would add a new item to their (room) key cards and credit cards—a Merchant cryptocurrency wallet public address Quick Response (QR) Code (Merchant QR Code). The Merchant QR Code's associated cryptocurrency wallet public address is recorded on a blockchain public ledger whenever used for a cryptocurrency payment from a consumer. That cryptocurrency payment is then converted to a fiat payment that's added to a merchant account for the consumer by an online exchange. For smart consumers, this invention would allow use of fiat or cryptocurrency with the best value at time of payment for fiat charges to a room or credit card.
    Type: Grant
    Filed: November 14, 2017
    Date of Patent: February 12, 2019
    Inventor: John Matthew Wnuk
  • Patent number: 10193971
    Abstract: A method is provided for application synchronization. The method includes: establishing a communication connection between an originating terminal and a destination terminal, where the originating terminal and the destination terminal log in the server through a same login account, and receiving a synchronization request message sent by the originating terminal, where the synchronization request message includes a program identification of a target application and a terminal identification of the destination terminal. The method also includes: based on the terminal identification of the destination termini, obtaining device information and address information of the destination terminal, querying an installation file matching with the program identification of the target application and the device information of the destination terminal, and sending the installation file to the destination terminal specified by the address information.
    Type: Grant
    Filed: May 31, 2016
    Date of Patent: January 29, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Dan Zeng, Zhihao Zheng, Yanping Guan
  • Patent number: 10192216
    Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.
    Type: Grant
    Filed: September 11, 2013
    Date of Patent: January 29, 2019
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10169746
    Abstract: Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a plurality of different third-party providers and receiving, from the plurality of privately hosted servers, billing information associated with a plurality of different accounts. The method further includes, at the payment integrator, prompting a user to select a payment type for use in paying a first bill associated with a first account of the plurality of different accounts and sending a first payment to the first account according to the first payment type.
    Type: Grant
    Filed: May 5, 2015
    Date of Patent: January 1, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Gurpreet Singh Atwal, Richard Lee Jackson
  • Patent number: 10172081
    Abstract: An information processing system transmits, via a first network, connection information for a second network that is different from the first network to a plurality of terminal apparatuses; carries out communications with the terminal apparatuses via the second network based on the transmitted connection information; stores respective items of terminal identification information for the terminal apparatuses, with which the communications are carried out via the second network; determines whether the terminal apparatuses that are identified by the stored items of terminal identification information can carry out communications via the second network; and, when determining that the terminal apparatuses cannot carry out communications via the second network, carries out such control as to prevent the second network from being used to carry out communications.
    Type: Grant
    Filed: March 1, 2016
    Date of Patent: January 1, 2019
    Assignee: Ricoh Company, Ltd.
    Inventors: Yoshitaka Komine, Takehito Kuroko, Masayuki Osugi
  • Patent number: 10169754
    Abstract: A method for performing a transaction between a portable device and a transaction terminal includes establishing a communication channel between the portable device and the transaction terminal; establishing a first data link between the transaction terminal and the transaction server; and using an application program in the transaction server to perform the transaction with the transaction terminal through the data link, on behalf of the portable device.
    Type: Grant
    Filed: November 17, 2011
    Date of Patent: January 1, 2019
    Assignee: INSIDE SECURE
    Inventors: Bruno Charrat, Gary Chew
  • Patent number: 10163283
    Abstract: A control system and method are provided for a station to dispense fuel to a vehicle, including an electric vehicle, without requiring dedicated access to a communications network, with the advantage that authorization for fleet vehicles or individuals can be obtained from an access management system, using a portable, wireless device, such as a smart phone or a dashboard appliance. The authorization is wirelessly relayed to the station by the wireless device, to enable the dispensing of fuel. Subsequently, a log comprising the transaction is provided to the access management system, through the same or a different wireless, mobile computing device. The log may also report status and other events, such as load shedding.
    Type: Grant
    Filed: May 5, 2017
    Date of Patent: December 25, 2018
    Assignee: Liberty PlugIns, Inc.
    Inventors: Christopher Scott Outwater, William Gibbens Redmann
  • Patent number: 10158703
    Abstract: Embodiments of the present invention provide utilizing a distributed network of systems for allocating and transferring resources between entities (e.g., users, institutions, or the like) by providing holds (e.g., soft or hard) on the resources, allocating the resources, and transferring the resources by utilizing allocation identifiers and/or holding pools, if needed. The use of allocation identifiers and/or holds on the resources improves upon the processing speeds and power of systems used for the resource transfers between entities.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: December 18, 2018
    Assignee: BANK OF AMERICA CORPORATION
    Inventor: Manu Jacob Kurian
  • Patent number: 10147112
    Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
    Type: Grant
    Filed: December 26, 2013
    Date of Patent: December 4, 2018
    Assignee: GOOGLE LLC
    Inventors: Harry Lee Butler, IV, Osama Bedier, Peter Hazlehurst, Michael Scott Blandina, Bobby Wieler
  • Patent number: 10147088
    Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: December 4, 2018
    Assignee: UNITED PARCEL SERVICE OF AMERICA, INC.
    Inventors: Mahesh Sahasranaman, Robert W Plumer
  • Patent number: 10127532
    Abstract: Disclosed is a technology for customizing the flow of a payment transaction at a payer's mobile device, based on parameters associated with a payee to which the payer is making the payment. The payee can be an individual person or a specific business entity (e.g., restaurant, political cause, professional service, etc.). The transaction flow technology involves communication between a mobile application installed on the mobile device and a remote payment service system (PSS). A list of potential payees can be displayed for selection by the payer at the mobile application. The payees can be nearby payees identified by using, e.g., BLE, Bluetooth®, Wi-Fi®, geofence, etc. Upon selection of a particular payee by the payer, the PSS identifies one or more parameters of that payee, e.g., payee type, and generates a transaction flow to guide the payer through a payment transaction with the selected payee based on those parameters.
    Type: Grant
    Filed: August 19, 2015
    Date of Patent: November 13, 2018
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 10129442
    Abstract: An information processing apparatus includes a sound information obtaining unit, and a sound synthesizer unit. The sound information obtaining unit is configured to obtain a plurality of sound information items, the plurality of sound information items being on sounds indicating a plurality of user-selectable candidates, respectively. The sound synthesizer unit is configured to synthesize the plurality of sound information items such that output sounds indicating the plurality of candidates, respectively, at least partially overlap one another.
    Type: Grant
    Filed: February 3, 2016
    Date of Patent: November 13, 2018
    Assignee: SONY CORPORATION
    Inventors: Yusuke Kudo, Katsuya Hyodo, Daisuke Nakata, Ryo Fukazawa
  • Patent number: 10121176
    Abstract: Embodiments described herein simplify ordering of products from online shops. This may involve an agent server receiving captured contents of a product webpage from a client device and autonomously deriving product information therefrom. Alternatively, the agent service can receive a web address corresponding to a product webpage, and the agent server can visit the product webpage and capture its contents. The agent server then uses the derived product information to autonomously control ordering of the product for the user from an online shop, without requiring that the user have an account with the online shop, without requiring that the user enter personal and payment information in a check-out webpage of the online shop, without requiring that the user select a buy or shopping cart button associated with the online shop, and without requiring the online shop utilize an API to enable the agent server to interact with the online shop.
    Type: Grant
    Filed: December 1, 2015
    Date of Patent: November 6, 2018
    Assignee: Klarna Bank AB
    Inventors: David Buezas, Truong Son Pham, Florian Schild, Manuel Schoebel
  • Patent number: 10115089
    Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.
    Type: Grant
    Filed: September 3, 2014
    Date of Patent: October 30, 2018
    Assignee: PAYPAL, INC.
    Inventors: Eric Byungho Min, Margaret A. Strong
  • Patent number: 10096023
    Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: October 9, 2018
    Assignee: United Parcel Service of America, Inc.
    Inventors: Mahesh Sahasranaman, Robert W Plumer
  • Patent number: 10095717
    Abstract: Embodiments relate to data archiving utilizing an existing big data platform (e.g., HADOOP) as a cost-effective target infrastructure for storage. Particular embodiments construct a logical structure (hereafter, “vault”) in the big data platform so that a source, type, and context of the data is maintained, and metadata can be added to aid searching for snapshots according to a given time, version, and other considerations. A vaulting process transforms relationally stored data in an object view to allow for object-based retrieval or object-wise operations (such as destruction due to legal data privacy reasons), and provide references to also store unstructured data (e.g., sensor data, documents, streams) as attachments. A legacy archive extractor provides extraction services for existing archives, so that extracted information is stored in the same vault. This allows for cross queries over legacy data and data from other sources, facilitating the application of new analysis techniques by data scientists.
    Type: Grant
    Filed: August 5, 2015
    Date of Patent: October 9, 2018
    Assignee: SAP SE
    Inventors: Axel Herbst, Veit Bolik, Mathias Roeher
  • Patent number: 10096019
    Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server; the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.
    Type: Grant
    Filed: June 16, 2014
    Date of Patent: October 9, 2018
    Assignee: Accenture Global Services Limited
    Inventors: Robert Hasson, Emmanuel Viale, Jeremy Light
  • Patent number: 10079735
    Abstract: Summarizing, the application relates to a network server system, a computer program product and a computer-implemented method for an efficient determination of one or more web page KPIs from a client device via a network, for an efficient determination of a correlation value of the derived resource KPIs and a predetermined network performance metric and for enabling an optimization of the web page download duration based on the determined correlation value. In particular the application relates to a network server system, a computer program product, and a computer implemented method suitable for down-load time determination and optimization.
    Type: Grant
    Filed: December 4, 2014
    Date of Patent: September 18, 2018
    Assignee: Accenture Global Services Limited
    Inventors: Pietro Martone, Georgios Passalis, Emanuele Procaccioli
  • Patent number: 10074086
    Abstract: Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. The receiving the merchant identifier is from a mobile device associated with a user registered with a central payment service. The identification data is associated with the user and the identification data includes multiple identifying data items. The transaction data details a transaction between the merchant and the user. The funds transfer is between the merchant and the user based on the transaction.
    Type: Grant
    Filed: January 30, 2012
    Date of Patent: September 11, 2018
    Assignee: PAYPAL, INC.
    Inventors: J. Hastings Granbery, Max Metral
  • Patent number: 10073962
    Abstract: Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.
    Type: Grant
    Filed: June 2, 2016
    Date of Patent: September 11, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Simon Hurry, Aron Clark, Marc Cleven
  • Patent number: 10074081
    Abstract: The methods and systems described herein attempt to provide a card where a consumer can reload the card with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale.
    Type: Grant
    Filed: December 19, 2011
    Date of Patent: September 11, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Andrew D. Radlow, Eran Hollander
  • Patent number: 10055720
    Abstract: A system including a network connected to at least one mint computing device implementing a virtual currency mint. The network has a ring topology and includes computing devices that implement a plurality of nodes. The mint issues units of virtual currency to user accounts implemented by the nodes. Each of at least a portion of the nodes is configured to initiate (as a sender node) a transaction with a recipient node that transfers at least one unit of the virtual currency from a sender one of the user accounts to a recipient one of the user accounts. The recipient node validates the transaction, creates a receipt, performs an operation on the receipt to identify a storage node, and routes the receipt to the storage node. The storage node stores the receipt, identifies next storage nodes, and routes copies of the receipt to the next storage nodes for storage thereby.
    Type: Grant
    Filed: October 13, 2017
    Date of Patent: August 21, 2018
    Assignee: NCHAIN HOLDING LIMITED
    Inventors: Robert Scott MacGregor, Milagrino Jose C. Ong
  • Patent number: 10057712
    Abstract: Some embodiments provide a mobile computing device that includes a number of applications having a common display area to display data relating to a location. In some embodiments, the common display area is a unified display area to display different types of data. The different types of data can include information regarding the location, multimedia associated with the location, user feedbacks regarding the location, a catalog associated with the location, social network data, etc. In some embodiments, the unified common display area is also referred to as a place card because it presents data relating to a place.
    Type: Grant
    Filed: July 10, 2017
    Date of Patent: August 21, 2018
    Assignee: Apple Inc.
    Inventors: Nathaniel R. Rivard, Marcel van Os, Emanuele Vulcano, Srichand Pendyala
  • Patent number: 10055731
    Abstract: An electronic device with one or more processors, memory, and a display detects a user interaction with a user interface of a first application and, in response to detecting the user interaction with the user interface of the first application, determines whether one or more security parameters are satisfied, where a first security parameter is satisfied when a network access point being used by the electronic device satisfies predefined criteria. In accordance with a determination that the one or more security parameters are satisfied, the device: displays a security keyboard on the display corresponding to a second application different from the first application; and receives user information input via the security keyboard by a user of the electronic device. The device transmits the user information to a target terminal.
    Type: Grant
    Filed: November 15, 2013
    Date of Patent: August 21, 2018
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Yihan Ni
  • Patent number: 10050779
    Abstract: A key ceremony application creates bundles for custodians encrypted with their passphrases. Each bundle includes master key share. The master key shares are combined to store an operational master key. The operational master key is used for private key encryption during a checkout process. The operational private key is used for private key decryption for transaction signing in a payment process. The bundles further include TLS keys for authenticated requests to create an API key for a web application to communicate with a service and to unfreeze the system after it has been frozen by an administrator.
    Type: Grant
    Filed: December 11, 2017
    Date of Patent: August 14, 2018
    Assignee: Coinbase, Inc.
    Inventors: Andrew E. Alness, James Bradley Hudon
  • Patent number: 10026081
    Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: July 17, 2018
    Assignee: United Parcel Service of America, Inc.
    Inventors: Mahesh Sahasranaman, Robert W Plumer
  • Patent number: 10026080
    Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: July 17, 2018
    Assignee: United Parcel Service of America, Inc.
    Inventors: Mahesh Sahasranaman, Robert W Plumer
  • Patent number: 10027683
    Abstract: A method for encrypting a message is described in which a public key and a private key are generated. The public key is encrypted using a shared symmetric key shared with an agent. The private key is encrypted using a private symmetric key. The encrypted public key is sent to the agent and decrypted by the agent with the shared symmetric key. A message encrypted with the shared symmetric key is received from the agent, and is decrypted using the shared symmetric key.
    Type: Grant
    Filed: July 28, 2015
    Date of Patent: July 17, 2018
    Assignee: ENTIT SOFTWARE LLC
    Inventors: Spencer Bruce, Boris Kozorovitzky, Doron Levi
  • Patent number: 10015173
    Abstract: The disclosed computer-implemented method for location-aware access to cloud data stores may include (1) obtaining a location policy that governs access to a cloud data store, the location policy specifying one or more location rules to be satisfied in order to access files in the cloud data store, (2) receiving a request, from a client system, to access one or more files in the cloud data store, (3) verifying that the request satisfies the location rule and therefore complies with the location policy, and (4) providing the client system access to the file in the cloud data store. Various other methods, systems, and computer-readable media are also disclosed.
    Type: Grant
    Filed: March 10, 2015
    Date of Patent: July 3, 2018
    Assignee: Symantec Corporation
    Inventor: Petros Efstathopoulos
  • Patent number: 10009299
    Abstract: An electronic device is provided. The electronic device includes an input interface configured to receive a user input related to a message, a communication interface configured to transmit the message to an external electronic device, a memory configured to store the message, a display configured to display the message, and a processor functionally connected to the input interface, the communication interface, the memory, and the display. When a first content of the message is input, the processor is configured to seal the message with a first object designated such that at least a portion of a second object corresponding to the first content is not exposed and transmit the sealed message through the communication interface. The at least the portion of the second object is configured to be exposed when an unseal input with respect to the first object occurs.
    Type: Grant
    Filed: April 28, 2016
    Date of Patent: June 26, 2018
    Assignee: Samsung Electronics Co., Ltd
    Inventors: Jee Eun Hong, Hwa Young Song, Jeong Hyun Pang, Pyo Je Cho, Geon Soo Kim, Min Kyung Hwang, Jonas Ove Arbsjo, Karl-Oskar Plaza Olivestedt, Nils Roger Andersson Reimer
  • Patent number: 10009173
    Abstract: Devices, system, and methods of secure entry and handling of passwords and Personal Identification Numbers (PINs), as well as for secure local storage, secure user authentication, and secure payment via mobile devices and via payment terminals. A computing device includes: a secure storage unit to securely store a confidential data item; a non-secure execution environment to execute program code, the program code to transport to a remote server a message; a secure execution environment (SEE) to securely execute code, the SEE including: a rewriter module to securely obtain the confidential data item from the secure storage, and to securely write the confidential data item into one or more fields in said message prior to its encrypted transport to the remote server.
    Type: Grant
    Filed: April 15, 2016
    Date of Patent: June 26, 2018
    Assignee: ARM LIMITED
    Inventors: Hagai Bar-El, Yaacov Sella, Alon Ziv, Roni Sasson
  • Patent number: 10009767
    Abstract: An account login method includes receiving a login request command sent by a second terminal, the login request command carrying an account and a second terminal identifier. The method further includes detecting whether a device lock flag corresponding to the account is unlocked and that a state corresponding to the second terminal identifier is that a device lock is locked If yes, the method further includes acquiring a first terminal identifier corresponding to the account, a state corresponding to the first terminal identifier being that the device lock is unlocked and implementing a login of the account on the second terminal by using a first terminal corresponding to the first terminal identifier.
    Type: Grant
    Filed: July 6, 2016
    Date of Patent: June 26, 2018
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Ningbo Jiang, Qinglei Feng, Zheng Jiang, Lei Qin, Jiwei Guo, Jie Zhao, Jun Ma, Siwei Zhou, Xing Chen
  • Patent number: 10002351
    Abstract: The invention is directed to a wallet vault, in the form of a tangibly embodied processing machine, disposed in communication with a financial payment network and a wallet in a customer device. Token information is generated and stored and corresponds to a payment product of the customer. The token information is output from the customer device by the wallet, to a merchant POS system, and routed to the wallet vault. At the wallet vault, the token information is used to retrieve the customer's payment product information and then output by the wallet vault for approval by the appropriate financial entity. In such manner, a transaction may be authorized but the merchant does not receive the customer's payment product information for such authorization.
    Type: Grant
    Filed: September 25, 2015
    Date of Patent: June 19, 2018
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Howard Spector, Hugh Tamassia, Brian Smyth, Joseph William Stanish, Reetika Grewal, Vincent R. D'Agostino, Russ Mahy, Scott Hollis Ouellette, Sherry Ann Allen, Dan Poswolsky
  • Patent number: 9996864
    Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.
    Type: Grant
    Filed: October 31, 2013
    Date of Patent: June 12, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ben Dominguez, Douglas Fisher, Julie Chan
  • Patent number: 9996835
    Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.
    Type: Grant
    Filed: July 24, 2014
    Date of Patent: June 12, 2018
    Assignee: Visa International Service Association
    Inventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
  • Patent number: 9996985
    Abstract: Techniques for concurrent distribution of reloadable prepaid cards and enablement of the reloadable prepaid cards for use at access control points of a transit system. Techniques of enabling of the reloadable prepaid cards for use at access control points of the transit system can include obtaining user information, payment, and communicating card information to a card issuer for activation of the first reloadable prepaid card. A transit user account for managing transactional information of the user of the transit system is also created, reloadable prepaid card is enabled for use as fare media at access control points of the transit system. Thus, once distributed, the prepaid reloadable cards may be used as fare media in the transit system as payment for transit fare, as well as for purchases at locations outside the transit system.
    Type: Grant
    Filed: January 26, 2015
    Date of Patent: June 12, 2018
    Assignee: CUBIC CORPORATION
    Inventors: Philip B. Dixon, Timothy Cook, Pradip Mistry, Janet Koenig, David L. deKozan
  • Patent number: 9992704
    Abstract: Various communication systems may benefit from traffic steering. For example, radio access network based traffic steering can be used to benefit of communications by steering traffic to Wi-Fi leveraging Hotspot 2.0. A method can include determining that an off-load condition exists in an area of a radio access network. The method can also include commanding a user equipment to off-load to non-cellular radio access based on the determining.
    Type: Grant
    Filed: April 12, 2013
    Date of Patent: June 5, 2018
    Assignee: Provenance Asset Group LLC
    Inventors: Mika Forssell, Jari Pekka Mustajarvi, Janne Petteri Tervonen
  • Patent number: 9992616
    Abstract: The present invention provides an information processing method and an NFC terminal. The method includes: monitoring a state of a TCP connection that is established by at least one secure element SE in a near field communication NFC terminal to a server by using a Transmission Control Protocol TCP port of the NFC terminal; when monitoring that the state of the TCP connection is disconnected, determining a first SE from the at least one SE, where the first SE is an SE corresponding to a TCP port whose TCP connection is disconnected; and obtaining an application identifier AID of a contactless application in the first SE.
    Type: Grant
    Filed: September 30, 2014
    Date of Patent: June 5, 2018
    Assignee: Huawei Technologies Co., Ltd.
    Inventor: Guoqing Li
  • Patent number: 9973463
    Abstract: The invention consists of a method so that a telecommunications operator can deliver data messaging, digitally sign it and deliver it to the user with a certificate. The method is based on the: creation of a data message through a user interface, which is delivered to the destination; upon reception of a delivery notification of the data message sent to the destination, the data processing unit creates an electronic document that comprises at least issuing user data, date of issuance, content and delivery notification data of the message sent, said electronic document is encrypted by the implementation of a digital signature algorithm for the creation of a certificate, which is delivery of the certificate to the user through the mail server.
    Type: Grant
    Filed: April 2, 2012
    Date of Patent: May 15, 2018
    Assignee: LLEIDANETWORKS SERVEIS TELEMATICS S.A.
    Inventor: Francisco Sapena Soler
  • Patent number: 9950693
    Abstract: A wireless communication system includes an in-vehicle device mounted on a vehicle; and a portable device that can be carried by a user. The in-vehicle device includes a first sending unit configured to intermittently and wirelessly send an identification code of the vehicle or the in-vehicle device; and a detection unit configured to detect a presence of the portable device by receiving a response signal wirelessly sent from the portable device. The portable device includes a receiving antenna configured to receive the identification code; a first verification unit configured to verify the identification code, received by the receiving antenna, with a code registered in the portable device; and a sending control unit configured to wirelessly send the response signal if the verification by the first verification unit is successful and not to send the response signal if the verification by the first verification unit is not successful.
    Type: Grant
    Filed: April 27, 2017
    Date of Patent: April 24, 2018
    Assignee: TOYOTA JIDOSHA KABUSHIKI KAISHA
    Inventors: Shigeki Nishiyama, Tomoyuki Funayama