Secure Transaction (e.g., Eft/pos) Patents (Class 705/64)
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Patent number: 12248929Abstract: Embodiments are directed to performing a transaction using a third party mobile wallet, performing a transaction using a third party point of sale (POS) system and to making a purchase from a third party mobile wallet provided by a third party mobile wallet provider. In one scenario, a cloud-based transaction platform is provided, which receives communication from an agent terminal over a communication channel connected to the cloud-based transaction platform. The agent communication indicates that a customer desires to perform a mobile wallet transaction using their third party mobile wallet.Type: GrantFiled: August 18, 2022Date of Patent: March 11, 2025Assignee: FINTIV, INC.Inventors: Michael A. Liberty, Mike Love
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Patent number: 12243060Abstract: Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.Type: GrantFiled: December 28, 2023Date of Patent: March 4, 2025Assignee: American Express Travel Related Services Company, Inc.Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
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Patent number: 12243058Abstract: In certain aspects of the disclosure, a computer-implemented method includes receiving an initial order based on a user input. The method includes mapping out correct steps from the initial order to settlement. The method includes validating instructions at each step. The method includes recording data pertaining to permit the settlement of the transaction.Type: GrantFiled: March 26, 2024Date of Patent: March 4, 2025Assignee: TRETE Inc.Inventors: Damien Patton, Christian Gratton
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Patent number: 12237059Abstract: The concepts and technologies disclosed herein are directed to secure user-controlled personal health records (“PHRs”). According to one aspect disclosed herein, a patient device can launch a PHR wallet device application. The patient device can connect, via the PHR wallet device application, to a PHR server that stores PHRs associated with a user. The patient device can define, via the PHR wallet device application, an access level to be applied to the PHR. The patient device can initiate, via the PHR wallet device application, a transfer of the PHR from the PHR server to a health care provider. The health care provider can be permitted to access the portion of the PHR in accordance with the access level.Type: GrantFiled: December 13, 2021Date of Patent: February 25, 2025Assignee: AT&T Intellectual Property I, L.P.Inventors: Sameena Khan, Zhi Cui, Bo Lee
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Patent number: 12232543Abstract: An electronic nicotine delivery systems (“ENDS”) device may include aerosol delivery devices such as smoking articles that produce aerosol. The device may include a cartridge for the aerosol production. The cartridge is assigned a unique identifier that is approved for a user or that user's device such that the cartridge and/or the device only operate when approved. The unique identifiers help with user identification, tracking, and age verification.Type: GrantFiled: May 17, 2019Date of Patent: February 25, 2025Assignee: RAI STRATEGIC HOLDINGS, INC.Inventor: Sean Daugherty
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Patent number: 12229742Abstract: In order to adjust the amount of money in a transaction apparatus installed in a store, a transaction system includes: a money handling unit that receives money, and recognizes and counts the received money to acquire a first total amount of the received money and a quantity of money for each denomination; a memory that stores therein a transaction condition including a transaction fee rate previously set for each denomination; and a processing unit that calculates, for each denomination, an amount of money by multiplying the quantity of money for each denomination by the transaction fee rate, based on the quantity of money and the transaction condition, and performs processing on a transaction of the received money, based on the first total amount acquired by the money handling unit and on a second total amount calculated by summing up the calculated amounts of money for the respective denominations.Type: GrantFiled: May 25, 2021Date of Patent: February 18, 2025Assignee: GLORY LTD.Inventors: Junichi Takemura, Minoru Higashiyama, Toyofumi Iwami, Toshimitsu Yoshinari, Kensaku Sagano, Hiromichi Okizuka
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Patent number: 12223476Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.Type: GrantFiled: December 12, 2023Date of Patent: February 11, 2025Assignee: FIRST DATA CORPORATIONInventors: Vijay Royyuru, Sridher Swaminathan
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Patent number: 12223482Abstract: A system for tokenizing multiple incompatible cryptocurrencies is disclosed. The system includes an interface that receives a request to tokenize defined quantities of two or more cryptocurrencies that are tokenized in accordance with respective tokenization protocols and are maintained on different cryptographic ledgers. The system includes a token generation system that generates a tokenized token that represents the defined quantities of the cryptocurrencies in accordance with a specific protocol that is different than the respective protocols to provide a unique tokenization of the defined quantities cryptocurrencies.Type: GrantFiled: November 4, 2021Date of Patent: February 11, 2025Assignee: VERONA HOLDING SEZCInventors: Jonathan Yantis, William Edward Quigley, Lukasz Jakub Sliwka
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Patent number: 12217242Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.Type: GrantFiled: November 14, 2023Date of Patent: February 4, 2025Assignee: Worldpay, LLCInventor: Jackson Andrew Unrau
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Patent number: 12217306Abstract: The present disclosure provides various transformations to be used in analysis of a large number of transactions to detect anomalies that would indicate potential fraudulent or criminal activity. Such transformations may be applied, for example, using a machine learning system. According to some examples, each of various transformations may be used to detect a particular type of behavioral anomaly. When multiple disparate transformations are considered together by the machine learning system, anomalous activity related to potential fraudulent or criminal activity can be detected more frequently and with greater accuracy.Type: GrantFiled: October 24, 2022Date of Patent: February 4, 2025Assignee: Google LLCInventor: Ramesh Natarajan
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Patent number: 12210600Abstract: A recipient communication device and method wherein a user authenticates a message that is being received. The method includes receiving, by a messaging utility of the recipient communication device, a message transmitted from a sender communication device. The messaging utility determines that one of (a) sender authentication of the message and (b) recipient authentication to open the message is required. In response to sender authentication being required, the recipient communication device transmits a request to the sender communication device for sender authentication of the message, and receives a certification of the message based on an authentication of a user input via the sender communication device. When recipient authentication is required, the recipient is prompted to enter biometric input at the recipient device.Type: GrantFiled: January 21, 2021Date of Patent: January 28, 2025Assignee: Google Technology Holdings LLCInventors: Jiri Slaby, Roger W. Ady
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Patent number: 12211029Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.Type: GrantFiled: December 20, 2023Date of Patent: January 28, 2025Assignee: Worldpay, LLCInventor: Jackson Andrew Unrau
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Patent number: 12206784Abstract: Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.Type: GrantFiled: February 1, 2024Date of Patent: January 21, 2025Assignee: Capital One Services, LLCInventors: Clayton Johnson, Esther Scott, Jeffrey Wieker
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Patent number: 12205099Abstract: Systems and method for linking a social media handle to a financial account and providing a payment handle are disclosed. The payment handle is a unique identifier that allows a social media user to enter the payment handle in a checkout page within the social media ecosystem to authorize payment for goods or services. An account provider system can create a first payment handle to associate with a first social media system and a second payment handle to associate with a second social media system. The payment handle can be generated according to a list of preferred goods, merchant lists, or maximum transaction amounts. Rather than entering a credit card number, expiration date, address, and other data into a conventional checkout page, the system can enable a user to checkout simply by entering the payment handle and hitting “submit” (or similar).Type: GrantFiled: August 21, 2020Date of Patent: January 21, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Nimma Bhusri, Ljubica Chatman, Lukiih Cuan
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Patent number: 12182204Abstract: A device to securely access a digital asset with an asset blockchain address on a blockchain, including a processor in the mobile body and associated with a processor blockchain address, and a sensor coupled to the body to authenticate a user, wherein selected user events are placed on the blockchain, wherein the processor sends an access request to the digital asset upon authentication based on the blockchain address and events on the blockchain, wherein the digital asset contractual details, access right, and ownership rights are stored on a decentralized ledger, and wherein the processor uses the ledger to record or manage property right for the digital asset.Type: GrantFiled: March 16, 2021Date of Patent: December 31, 2024Inventors: Bao Tran, Ha Tran
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Patent number: 12177229Abstract: Aspects of the disclosure relate to detecting and preventing botnet attacks using client-specific event payloads. A computing platform may receive a request to access data within an enterprise organization. The computing platform may monitor the movement of peripheral devices that are used to populate the data access request and may detect an event associated with each movement. The computing platform may generate an alpha-numeric event code and an alpha-numeric user interface code for each event, determine the location of each event, and categorize each event. The computing platform may generate a client-specific event payload using the unique alpha-numeric codes and the location and categorization of the event. The computing platform may generate a simulated client event payload using the unique alpha-numeric codes. The computing platform may determine whether to approve or deny the data access request based on whether the client-specific event payload matches the simulated client event payload.Type: GrantFiled: February 25, 2022Date of Patent: December 24, 2024Assignee: Bank of America CorporationInventor: Vijay Kumar Yarabolu
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Patent number: 12170000Abstract: Systems and methods that employ a virtual chip purchase voucher to transfer an amount funds between one or more gaming establishment accounts associated with a user and one or more gaming table components associated with a gaming establishment gaming table.Type: GrantFiled: February 18, 2021Date of Patent: December 17, 2024Assignee: IGTInventors: Fei Yi, Wei Gong, Eduardo Meza
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Patent number: 12164549Abstract: In order to provide a case search system in which a search case corresponding to the notation fluctuation of a word within a sentence is a learning object, a sentence constituting a search target case is divided into a plurality of words by a morphological analysis, and a synonym integration unit 20 converts a predetermined word group within the sentence based on the relationship between the plurality of words into a single word consisting of another language in a synonym relationship with the word group. Further, the predetermined word group within the sentence is converted to a sentence with words stored in the corpus and the sentence is integrated, and the search target case composed of the integrated sentence is vectorized by leaning.Type: GrantFiled: October 16, 2018Date of Patent: December 10, 2024Assignee: SHIMADZU CORPORATIONInventor: Kentaro Morimoto
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Patent number: 12164606Abstract: A central asset registry and associated satellite registries tie Digital Asset Management (DAM) repositories and satellite repositories into a unified enterprise system. The system removes rights and asset relationship tracking from the DAMs and the satellites by gathering asset metadata tags and capturing digital asset rights and relationships between assets to improve speed, scalability, and flexibility in analyzing and traversing networks of rights and relationships of digital assets. The central asset registry and the satellite registries use a pluggable architecture and track and store multi-dimensional relationships as an asset hierarchy. The asset hierarchy and rights model depicts rights and relationship data between the assets and provides a flexible array of asset types and properties for addition of new assets, new asset types, and new rights without re-factoring the other data, nodes, and edges. The system uses asset metadata to create edge relationships between the assets.Type: GrantFiled: December 21, 2023Date of Patent: December 10, 2024Assignee: DISCOVERY COMMUNICATIONS, LLCInventors: Beth Jackson, William C. Hurst, Chris Goodacre, Melissa Roberts, Lisa Seeto, Pedro Lopez, Jarrod Clift, Brant Boehmann, Dennis Killingsworth
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Patent number: 12164968Abstract: Methods and systems are described herein for generating and assigning resources based on timestamps. A plurality of permission messages associated with a plurality of authorization events may be received with each permission message including an authorization timestamp indicating a generation time of a corresponding permission message. In addition, a plurality of data records may be received with each data record including a corresponding plurality of parameters. Based on the permission messages and the data records, a resource multiplier is generated, and resources assigned to each data record are multiplied based on the resource multiplier.Type: GrantFiled: May 2, 2024Date of Patent: December 10, 2024Assignee: Citibank, N.A.Inventors: Shashikiran Budnahatti Veerabhadrappa, Tuan Dao
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Patent number: 12165202Abstract: A trading system for atomically executing a smart contract for trading between a first blockchain and a second blockchain includes a coordinator section and a first user section on the first blockchain and a second user section on the second blockchain. The coordinator section sends a first packet created based on a predetermined transaction in which a contract function is specified to the first and second user sections. When the contract function in the first packet received from the coordinator section is successful, the first user section saves a change operation in a state store associated therewith, acquires lock for a change target, and sends a second packet with a status set executable to the coordinator section. When the execution is failed, the first user section discards the change operation in the state store associated therewith and sends a third packet with the status set inexecutable to the coordinator section.Type: GrantFiled: September 17, 2021Date of Patent: December 10, 2024Assignee: DATACHAIN, INC.Inventor: Jun Kimura
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Patent number: 12159283Abstract: Disclosed are methods and systems for quantifying degrees of association between blockchain addresses in a weighted-linked database. The method may include: obtaining a node data set comprising one or more nodes and edges; associating a first node of the node data set with a first weight factor; identifying a first edge of the node data set, wherein the first edge comprises data indicating a source node address corresponding to the first node, a target node address corresponding to a second node of the one or more nodes in the node data set, and a first edge weight; determining a source value for the second node based on the first weight factor and the first edge weight; generating, a risk value for the second node based on the source value; and presenting, on a GUI, graphical depictions of the first node, the second node, and the first edge.Type: GrantFiled: June 2, 2022Date of Patent: December 3, 2024Assignee: Elementus Inc.Inventor: Maxwell David Galka
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Patent number: 12160402Abstract: Procedures, methods, architectures, apparatuses, systems, devices, and computer program products directed to messaging through blockchain networks are provided. Among such methods is a method that may be implemented in a device comprising circuitry, including a transmitter, a receiver and a processor, and may include any of receiving a request to send a message including a message and information indicating a source of the message, a destination of the message and a distributed ledger system; determining a first node associated with a distributed ledger system based, at least in part, the information indicating the distributed ledger system and the information indicating the destination; generating a transaction for the message; and sending the transaction to a second node of the distributed ledger system.Type: GrantFiled: June 30, 2021Date of Patent: December 3, 2024Assignee: InterDigital Patent Holdings, Inc.Inventors: Chonggang Wang, Xu Li, Paul Russell
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Patent number: 12154060Abstract: Disclosed are transportable unmanned aerial vehicle (UAV) facilities. The facilities comprise a housing having an ingress port arranged to receive a payload for delivery by a UAV. The UAV facility is arranged to determine whether the payload corresponds to a delivery consignment based upon a comparison of one or more determined physical characteristics of the payload with one or more expected characteristics of the delivery consignment.Type: GrantFiled: March 10, 2021Date of Patent: November 26, 2024Assignee: Flirtey Holdings, Inc.Inventors: Matthew Sweeny, Jess Hayden, Joseph Rinaldi, John R. Foggia
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Patent number: 12154130Abstract: A disclosed example includes: at least one memory; instructions; and processor circuitry to execute the instructions to at least: determine a first sum of estimated individual cardinalities of audience members of first and second media platforms; determine a second sum of estimated pairwise cardinalities of ones of the audience members belonging to both the first and second media platforms; and generate lower and upper bound estimates of a deduplicated audience size based on the first and second sums; and send the deduplicated audience size to a computing device via a network communication.Type: GrantFiled: November 12, 2021Date of Patent: November 26, 2024Assignee: The Nielsen Company (US), LLCInventors: Michael Richard Sheppard, Jonathan Sullivan, Edward Murphy
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Patent number: 12147584Abstract: Technologies are shown for secure management of evaluation data. An evaluation value is received from a source entity. The evaluation value relates to an evaluation entity. Trusted source data secured in one or more data blocks on a first blockchain is searched for an entry corresponding to the source entity. Based on finding the entry corresponding to the source entity in the trusted source data, an evaluation score for the evaluation entity is obtained from the first blockchain or a second blockchain. The evaluation score was previously calculated based on one or more previous evaluation values for the evaluation entity and stored on the first blockchain or the second blockchain. A new evaluation score for the evaluation entity is calculated using the evaluation score and the evaluation value. The new evaluation score for the evaluation entity is securely committed to a new data block on the first blockchain or the second blockchain.Type: GrantFiled: October 26, 2022Date of Patent: November 19, 2024Assignee: eBay Inc.Inventor: Fausto Dassenno
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Patent number: 12141769Abstract: Aspects of this disclosure relate to various systems and methods for use in a regulated industry and using an SEC qualified stablecoin as a store of value and medium of exchange on a blockchain-based transaction network. The system includes a stablecoin blockchain system with a stablecoin blockchain framework, a stablecoin ecosystem, and a stablecoin blockchain transaction network. The stablecoin blockchain system facilitates transactions between stablecoin blockchain participants within the stablecoin ecosystem. The stablecoin ecosystem conducts transactions across a stablecoin blockchain transaction network and a distributed blockchain ledger.Type: GrantFiled: September 13, 2023Date of Patent: November 12, 2024Assignee: Ceres Coin LLCInventors: John Gregory Anderson, Charles Henry Uchill, Sean McNamara
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Patent number: 12141808Abstract: Disclosed are methods and systems for quantifying degrees of association between blockchain addresses in a weighted-linked database. The method may include: obtaining a node data set comprising one or more nodes and edges; associating a first node of the node data set with a first weight factor; identifying a first edge of the node data set, wherein the first edge comprises data indicating a source node address corresponding to the first node, a target node address corresponding to a second node of the one or more nodes in the node data set, and a first edge weight; determining a source value for the second node based on the first weight factor and the first edge weight; generating, a risk value for the second node based on the source value; and presenting, on a GUI, graphical depictions of the first node, the second node, and the first edge.Type: GrantFiled: June 2, 2022Date of Patent: November 12, 2024Assignee: Elementus Inc.Inventor: Maxwell David Galka
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Patent number: 12141323Abstract: A method for improving electronic data security including receiving a record containing personally identifiable information (PII) with at least one data field and receiving schema information. Identifying, from a structured data store, a unique identifier associated with one or more fields in the record in response to the schema information and then modifying the unique identifier to create a pseudo-identifier. Using the pseudo-identifier to query the structured data source and return the response to said querying for each record. The PII may have multiple data fields and said returning includes replacing the PII with the response to said querying. The processing of each PII may include instructions to either mask, ignore, or redact the PII based on the schema information mapping.Type: GrantFiled: September 14, 2021Date of Patent: November 12, 2024Assignee: Anonomatic, Inc.Inventor: Matthew R Fleck
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Patent number: 12141800Abstract: A disclosed method includes a tokenization computer receiving, from a processing network computer, a tokenization request message during an interaction between a first user device and a second user device. The tokenization request message comprises first user account data and second user account data. The tokenization computer can select a tokenization option of a plurality of tokenization options in a tokenization matrix based on the first user account data and the second user account data. The tokenization computer can then determine alternate first user account data and alternate second user account data based on the tokenization option. The tokenization computer can generate a tokenization response message comprising the alternate first user account data and the alternate second user account data. The tokenization computer can then provide the tokenization response message to the processing network computer.Type: GrantFiled: February 12, 2021Date of Patent: November 12, 2024Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
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Patent number: 12141265Abstract: Systems and methods are provided for facilitating account login, wherein the method is implemented by a first server that is associated with a first account. In some embodiments, the method comprises receiving, from a terminal device, a request to log into a second account associated with a second server, wherein the request includes a first identifier associated with the first account and a second identifier associated with the second server. The method further comprises generating account information to be transmitted to the second server based on the first identifier; and transmitting the account information to the second server based on the second identifier; wherein the transmission of the account information enables the second account to be automatically logged into at the second server.Type: GrantFiled: March 21, 2022Date of Patent: November 12, 2024Assignee: Advanced New Technologies Co., Ltd.Inventor: Jie Hua
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Patent number: 12141320Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.Type: GrantFiled: August 31, 2023Date of Patent: November 12, 2024Assignee: Plaid Inc.Inventors: William Hockey, Joy Zheng, Baker Shogry, Michael Kelly
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Patent number: 12143487Abstract: A hardware wallet generates a key seed according to a mnemonic phrase length when receiving information of building hardware wallet, generates multiple mnemonic word identifications according to the mnemonic phrase length and the key seed, searches for a corresponding mnemonic word from a preset dictionary according to the mnemonic word identification, joints the mnemonic words to obtain a mnemonic phrase, generates a master key according to the key seed and stores the master key; searches for a corresponding mnemonic word from the preset dictionary according to a letter of a word when receiving information of restoring hardware wallet, obtains a key seed according to a length of selection information, generates a master key according to the key seed and authenticates the master key, stores the master key if the master key is authenticated successfully; and sets the hardware wallet state as initialized.Type: GrantFiled: November 5, 2019Date of Patent: November 12, 2024Assignee: FEITIAN TECHNOLOGIES CO., LTD.Inventors: Zhou Lu, Huazhang Yu
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Patent number: 12135775Abstract: 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: GrantFiled: July 13, 2022Date of Patent: November 5, 2024Assignee: Visa International Service AssociationInventors: Simon Hurry, Aron Clark, Marc Cleven
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Patent number: 12131347Abstract: Systems and methods are disclosed for providing context-aware selection and recommendation of applications and services on a mobile device. The selection of the preferred applications is based on the context of the user and the context of the applications. A comparison engine related to a recommendation module performs a similarity computation between context attribute vectors of the user and the applications. Based on the similarity computation, a rank-order is produced that determines in what order the application icons should be presented to the user. A digital wallet is also disclosed that maintains the reward points awarded to the user as crypto/virtual tokens based on the instant principles. Unlike prevailing techniques, the reward points are awarded in a context-aware manner after reconciling the conflicting or contradictory usage habits of the user.Type: GrantFiled: April 14, 2022Date of Patent: October 29, 2024Assignee: ZMBIZI APP LLCInventors: Samuel P. Michel, Alpesh Patel, Stephen J. Brown
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Patent number: 12131214Abstract: A method of a digital identity system generating a sharing token for authenticating a bearer to a validator, wherein a data store of the digital identity system holds a plurality of attributes of the bearer, the method comprising implementing by the digital identity system the following steps: receiving at the digital identity system from a bearer an electronic sharing token request, wherein the token request identifies at least one of the bearer's attributes in the data store selected for sharing with a validator; in response to the electronic token request, generating a sharing token, which is unique to that request, for presentation by the bearer to a validator; associating with the unique sharing token at the digital identity system the identified at least one bearer attribute; and issuing to the bearer the unique sharing token; and wherein later presentation of the unique sharing token to the digital identify system by a validator causes the at least one bearer attribute associated with the sharing tokenType: GrantFiled: June 30, 2023Date of Patent: October 29, 2024Assignee: Yoti Holding LimitedInventors: Francisco Angel Garcia Rodriguez, Piers Powlesland, Paolo Greci, Laurence Withers, Eleanor Simone Frederika Loughlin-McHugh, Roman Edward Szczesniak
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Patent number: 12125016Abstract: A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of the recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.Type: GrantFiled: November 23, 2020Date of Patent: October 22, 2024Assignee: CAPITAL ONE SERVICES, LLCInventor: Kyrylo Oliynyk
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Patent number: 12125035Abstract: A biometric corroborator receives an enhanced sound file, a vehicular data provided by a vehicle, and telemetry data provided by the vehicle to a telematics server. It then uses these to corroborate each other before deciding whether to authenticate a proposed transaction.Type: GrantFiled: December 4, 2020Date of Patent: October 22, 2024Assignee: Cerence Operating CompanyInventor: Nils Lenke
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Patent number: 12125018Abstract: A method for initiating payment transactions from a payment terminal application on a mobile electronic device may include displaying, on a display screen of the mobile electronic device, a first indicia corresponding to a wireless communication antenna location of the mobile electronic device, receiving, at the wireless communication antenna of the mobile electronic device, a first signal from an antenna located in the payment instrument, the first signal received at a first time, receiving, at the wireless communication antenna of the mobile electronic device, a second signal from the antenna located in the payment instrument, the second signal received at a second time later than the first time, determining a difference in a signal strength between the first and second signals, and displaying, on the display screen of the mobile electronic device, a second indicia based on the determined difference in signal strength.Type: GrantFiled: November 21, 2018Date of Patent: October 22, 2024Assignee: Worldpay LimitedInventors: Jonathan Stewart Vokes, Nicholas Telford-Reed
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Patent number: 12125048Abstract: Systems, apparatuses, methods, and computer program products are disclosed for enhancing regulatory compliance through digitization. An example method includes automatically generating a digital affiliated business arrangement disclosure statement (ABAD) for a client, and causing presentation of the digital ABAD by a graphical user interface (GUI) of a client device associated with the client. The example method further includes causing referral of the client to an affiliate. The example method further includes generating a digital ABAD record and storing the digital ABAD record.Type: GrantFiled: May 17, 2021Date of Patent: October 22, 2024Assignee: Wells Fargo Bank, N.A.Inventors: Jennifer L. Wiig, Richard Wells, Pamela Rehg, Janette K. Henry, Danya Duddleston, Sarah Spindler, Michael Chauvin, Mark Iverson
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Patent number: 12118545Abstract: A method includes a validation computer receiving an authorization request message comprising a user state and a user proof from a user device. The user state comprises first and second user state elements. The user proof comprises first, second, and third user proof elements. The validation computer computes a first verification value by multiplying the first user proof element raised to the power of the second user state element, and the second user proof element raised to the power of the first user state element. The computer computes a second verification value by raising the second user proof element to the power of the second user state element. The computer compares the first verification value to a first accumulated state element of an accumulated state. The compares the second verification value to a second accumulated state element. The validation computer authorizes the authorization request message based on the comparison steps.Type: GrantFiled: March 14, 2023Date of Patent: October 15, 2024Assignee: Visa International Service AssociationInventors: Shashank Agrawal, Srinivasan Raghuraman
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Patent number: 12112330Abstract: An application server for automated data transfers and associated methods are disclosed. A request to initiate a data transfer from a first account of a first entity to a second account of a second entity is received. A request to initiate a first data transfer from the first account to an intermediary account of an intermediate entity is sent to a data transfer server. After a threshold duration of time and while the first data transfer is in flight, transaction data and fraud risk are received. A likelihood that the first data transfer fails without completion based on predetermined authorization criteria is determined. In response to a determination that the likelihood is below a data transfer failure threshold, a request to initiate a second data transfer from the intermediary account to the second account is sent to the data transfer server.Type: GrantFiled: February 2, 2021Date of Patent: October 8, 2024Assignee: Wave Financial Inc.Inventors: Mani Fazeli, Nishkala Balakrishnan, Felix Crux, Reza Rahimi, Les Whiting
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Patent number: 12101311Abstract: In a second information processing device, an account holding section holds account information of a user. A reception section receives a login request including account information of a user from a first information processing device. A login processing section 102b allows the user to log in in a case in which the account holding section holds the account information of the user. In a state in which the user is logging in, when the reception section receives a login request including account information of a user from the first information processing device, the login processing section allows the user to log in on a condition that the account holding section holds the account information of the user.Type: GrantFiled: July 9, 2020Date of Patent: September 24, 2024Assignee: Sony Interactive Entertainment Inc.Inventors: Masanori Nomura, Takashi Fujita, Shigetaka Kudo
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Patent number: 12095874Abstract: A validating service of a plurality of services that compose an application receives a security token that identifies an entity that has submitted a transaction to the application, the security token indicating that the entity is authorized to submit the transaction to the application. The validating service obtains a transaction identifier that uniquely identifies the transaction. The validating service sends, to a collector service, the transaction identifier and data derived from the security token that identifies the entity. A downstream service receives input data associated with the transaction, the input data including the transaction identifier. The downstream service accesses an information source to obtain information. The downstream service sends, to the collector service, the transaction identifier and metadata about the information.Type: GrantFiled: August 29, 2022Date of Patent: September 17, 2024Assignee: Acante, Inc.Inventors: Udayakumar Srinivasan, Dhruv Hemchand Jain, Sarangan Rangachari, Advait Abhay Dixit, Abhishek Das
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Patent number: 12095744Abstract: A method includes requesting, by a first computing device having a first application and a first transport layer security (TLS) library, a sequence of cryptographic keys from a first mutual key management service (MKMS), the sequence of cryptographic keys based on an MKMS key, requesting, by a second computing device having a second application and a second TLS library, the sequence of cryptographic keys from a second MKMS, performing, by the first MKMS having a first certificate and the second MKMS having a second certificate, an authorization, comparing, by one of the first MKMS and the second MKMS, a second MGroup identifier with a first MGroup rule, and the first MKMS and the second MKMS creating the sequence of cryptographic keys based on the MKMS key.Type: GrantFiled: October 1, 2021Date of Patent: September 17, 2024Assignee: TrustFour Technologies, Inc.Inventors: Glenn Stuart Benson, Robert Alan Levine
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Patent number: 12093860Abstract: This application relates to systems and methods for generating desired or optimized event schedules. An example computer-implemented method of dynamically generating an event schedule includes: receiving one or more parameters for a series of live events to be held in a plurality of geographic regions; generating a schedule for the series of live events based on the one or more parameters; and automatically updating the schedule based on a change to the one or more parameters.Type: GrantFiled: October 26, 2022Date of Patent: September 17, 2024Assignee: RECENTIVE ANALYTICS, INC.Inventors: Andysheh Tabrizi, Evan Charles Smith
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Patent number: 12093925Abstract: A smart payment card is provisioned with biometric data for an authorized card member and, for at least one financial account, (i) respective financial account information to be used for authorized card-present transactions and (ii) a respective set of virtual account numbers to be used for card-not-present transactions. The smart payment card is configured using a dongle and a user interface displayed at an end-user device. Processing a financial transaction involving a given financial account provisioned on the smart payment card involves authenticating a received biometric input, and if the authentication is successful, (i) transmitting identifying information for the given financial account to a point-of-sale device if the financial transaction is a card-present transaction, or (ii) presenting, at a display of the smart payment card, a first virtual account number from a respective set of virtual account numbers for the given financial account if the transaction is a card-not-present transaction.Type: GrantFiled: April 25, 2023Date of Patent: September 17, 2024Assignee: Discover Financial ServicesInventors: Sanjeev Singla, Shriprakash Adikumar Band, Bharanicharan Malli Sathyamoorthy
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Patent number: 12088541Abstract: The Privacy Secure Social Set Apparatuses, Methods and Systems (“PSSS”) transforms atom interaction mechanism actuations, atom action interaction mechanism actuations, message shard send request, resource production allocation indication inputs via PSSS components into message shard acknowledgement response, user interface display, message shard acknowledgement response, crypto currency provision notification request outputs. An atom interaction interface mechanism initial actuation is obtained from a user. An atom messaging object datastructure corresponding to the actuated atom interaction interface mechanism is determined. An atom terms datastructure associated with the atom messaging object datastructure is retrieved. Atom action interaction interface mechanisms corresponding to allowed common atom actions are generated and provided for the user. An atom action interaction interface mechanism subsequent actuation is obtained from the user. A performed atom action is determined.Type: GrantFiled: September 28, 2021Date of Patent: September 10, 2024Inventor: John Kheit
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Patent number: 12086769Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.Type: GrantFiled: June 8, 2021Date of Patent: September 10, 2024Assignee: Apple Inc.Inventors: George R. Dicker, Christopher B. Sharp, Ahmer A. Khan, Yousuf H. Vaid, Glen W. Steele, Christopher D. Adams, David T. Haggerty
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Patent number: 12087098Abstract: A parking meter system includes a plurality of parking space monitors, a central computer system networked with the plurality of parking space monitors, and a user computing device. Each of the parking space monitors includes a weather resistant housing, a processor disposed inside of the housing, a memory disposed inside of the housing and coupled to the processor, a network interface disposed in the housing and coupled to the processor, and camera coupled to the processor and aimed towards a parking space to be monitored. The user computing device is configured to transmit to a request for parking time, receive a purchase confirmation, and monitor a remaining purchased parking time which is synchronized to a parking timer countdown for a particular parking space where a user has parked that is being monitored by a particular one of the plurality of parking space monitors.Type: GrantFiled: February 6, 2023Date of Patent: September 10, 2024Assignee: Municipal Parking Services, Inc.Inventors: Mark J. Moran, Richard W. Kelley, II, David E. Collins, Jr., Steven B. Lane, Christopher W. Baldwin, Marcus N. Schmidt, John J. Leier, Ian T. Bui, Umarani Pandian