Secure Transaction (e.g., Eft/pos) Patents (Class 705/64)
  • Patent number: 11120163
    Abstract: The present disclosure provides a detailed description of techniques used in methods, systems, and computer program products for associating anonymous information with personally identifiable information without sharing any personally identifiable information. A method receives a specification record comprising one or more specified demographic attributes to be used in user record selection operations, the results of which operations include user records that comprise a user identifier and at least some non-personally-identifiable information. A candidate group is formed by applying a set of rules over the retrieved user records to exclude one or more user records that comprise mutually-exclusive characteristics with respect to the other user records in the candidate group. An anonymity measure is calculated over the candidate group to satisfy a threshold of anonymity. If needed to satisfy the threshold of anonymity, additional user records are added to the group before any sharing operations.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: September 14, 2021
    Assignee: ORACLE INTERNATIONAL CORPORATION
    Inventors: Omar Tawakol, David Abraham Wiener
  • Patent number: 11120441
    Abstract: Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.
    Type: Grant
    Filed: November 9, 2013
    Date of Patent: September 14, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Patrick Mestre, Cristian Radu
  • Patent number: 11107049
    Abstract: There may be provided a secure ledger network for executing cryptocurrency transactions, the secure ledger network includes at least one hardware processor, a non-transitory machine-readable storage medium having an executable computer readable program code, the at least one hardware processor configured to execute the computer-readable program code to: receive, by the secure ledger network, a request to validate a smart contract that determines at least one rule for performing a transaction related to a first cryptocurrency token, wherein an execution of the transaction comprising determining a price of the first cryptocurrency token based on a status of the first cryptocurrency token, and a status of an other cryptocurrency token; determine whether to validate the smart contract; when determining to validate the smart contract then updating a secure ledger maintained by the secure ledger network with the smart contract; receiving, by the secure ledger network, a request to execute a transaction related to t
    Type: Grant
    Filed: November 19, 2020
    Date of Patent: August 31, 2021
    Assignees: Bprotocol Foundation, Localcoin Ltd.
    Inventors: Eyal Hertzog, Guy Ben Artzi, Galia Benartzi, Yehuda Levi
  • Patent number: 11107123
    Abstract: A method for enabling a value-added transaction involving a vehicle and a merchant via a mobile device is disclosed. Merchant information may be broadcasted from a merchant terminal. Vehicle specific data may be received at the merchant terminal identifying the vehicle in response to the broadcasted merchant information. Transaction data may be provided to the mobile device to initiate an intended transaction. Payment data may be received from the mobile device at the merchant terminal in response to the provided transaction data. Before completing the intended transaction, a value-added transaction offer may be provided to the mobile device. In response to the provided value-added transaction offer, an acceptance of the value-added transaction offer may be received. The intended transaction and the value-added transaction offer may be completed as a single transaction.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: August 31, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Martin Enriquez, Chandra Srivastava, Joseph Bjorn Ovick
  • Patent number: 11107156
    Abstract: Presenting a framework for digital finance based on the notion of a unified digital expression to value and identity which carries this value—advancing beyond the standard form of digital finance where value (a number) is expressed without any coin, or bill identity. The solution is based on ordered financial bits (fbits) which may be comprised of ingredient fbits, or of elemental fbits which are qbits—real or simulated. As such this solution (BitMint) is ready for quantum computing when it materializes commercially. A BitMinted entity carries its terms of exchange, and redemption; it may carry its transactional history, and apply equally to cash, credit and investment instruments. It allows full operational flexibility to its controllers who mint and redeem it. The BitMinted entity, BitMint “coin”, or simply “coin” will keep transacting even if the Internet is slow, or jammed. The coin may be cut to any small denomination desired, or lumped to any large sum of interest.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: August 31, 2021
    Inventor: Gideon Samid
  • Patent number: 11100497
    Abstract: An approval request is transmitted for a cryptoasset transaction in accordance with a policy stored in a hardware security module (“HSM”). The policy specifies at least one specific approver required for approval of the cryptoasset transaction. The approval request is transmitted to a computer device associated with the specific approver and is configured to cause the computer device to prompt the specific approver to approve the cryptoasset transaction. A security key is received from a hardware security token associated with the specific approver. The security key indicates an approval of the cryptoasset transaction. A risk analysis module authenticates an identity of the specific approver based on the security key. Responsive to the authenticating of the identity of the specific approver, the HSM signs the cryptoasset transaction using a cryptographic key stored in the HSM.
    Type: Grant
    Filed: September 24, 2019
    Date of Patent: August 24, 2021
    Assignee: Anchor Labs, Inc.
    Inventors: Nathan P. McCauley, Diogo Monica, Boaz Avital, Riyaz D. Faizullabhoy
  • Patent number: 11102652
    Abstract: Systems and methods for establishing a data connection between a mobile device and a peripheral. The mobile device is configured to determine whether to handle user approval of the data connection between the mobile device and the peripheral. Through the mobile device, an input mechanism is provided for the user to provide input. The input is used in determining whether to approve the data connection between the mobile device and the peripheral.
    Type: Grant
    Filed: October 31, 2019
    Date of Patent: August 24, 2021
    Assignee: BlackBerry Limited
    Inventors: Michael Kenneth Brown, Michael Grant Kirkup, Neil Patrick Adams, Herbert Anthony Little, Christopher Pattenden
  • Patent number: 11095454
    Abstract: A method, apparatus, computer system, and computer program product for releasing secret information. A client on a computer system performing an attestation to a server on another computer system. The client receives an authorization that authorizes releasing the secret information. The client releases the secret information from a co-processor on the computer system using the authorization received from the server.
    Type: Grant
    Filed: September 24, 2018
    Date of Patent: August 17, 2021
    Assignee: International Business Machines Corporation
    Inventors: Kenneth A. Goldman, Dimitrios Pendarakis
  • Patent number: 11080663
    Abstract: An apparatus for processing electronic payment transactions is provided. The apparatus includes a computer processor and a data storage device, the data storage device having an incoming and an outgoing transaction initiation module including non-transitory instructions operative by the processor to receive an order indication at a payment intermediary server, the order indication indicating an order by a customer having an order value amount, initiate a transaction from an account associated with the customer to an intermediary account for the order value amount, initiate a transaction from the intermediary account to an account associated with the merchant for a first portion of the order value amount, receive an order feedback indication, and initiate a further transaction or further transactions in response to the order feedback indication to transfer the second portion of the order value amount to the account associated with the merchant and/or the account associated with the customer.
    Type: Grant
    Filed: May 10, 2018
    Date of Patent: August 3, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Arunmurthy Gurunathan, Navneet Jain
  • Patent number: 11074582
    Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.
    Type: Grant
    Filed: September 20, 2017
    Date of Patent: July 27, 2021
    Assignee: Apple Inc.
    Inventors: Herve Sibert, Oren M. Elrad, Jerrold V. Hauck, Onur E. Tackin, Zachary A. Rosen, Matthias Lerch
  • Patent number: 11068892
    Abstract: A transaction method using an electronic device. The method comprises detecting, during an online transaction, one or more fields capable of being automatically filled by the electronic device, the one or more fields associated with the online transaction. The method further comprises obtaining, using a sensor, biometric information of a user of the electronic device, and verifying an identity of the user of the electronic device based on the obtained biometric information. Additionally, the method includes, in response to verifying the identity of the user of the electronic device based on the obtained biometric information: identifying personal information of the user to be automatically filled into the one or more fields based on the verified identity, and inserting the identified personal information into the one or more fields for the online transaction.
    Type: Grant
    Filed: January 25, 2017
    Date of Patent: July 20, 2021
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Robert Willem Laurens Buis, Mahesh Kulkarni
  • Patent number: 11062280
    Abstract: An improved blockchain implementation that uses proof-of-transfer to overcome the technical deficiencies of proof of work and proof-of-stake implementations is described herein. For example, the proof-of-transfer process may include elements of a single-leader election sortition, but modified to cause base chain cryptocurrency committed for the purposes of the sortition to be transferred to a burn address or at least one reward address.
    Type: Grant
    Filed: January 5, 2021
    Date of Patent: July 13, 2021
    Assignee: Hiro Systems PBC
    Inventors: Aaron Blankstein, Muneeb Ali, Michael J. Freedman, Diwaker Gupta, Jude Nelson, Jesse Soslow, Patrick Stanley
  • Patent number: 11062281
    Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.
    Type: Grant
    Filed: October 6, 2015
    Date of Patent: July 13, 2021
    Assignee: Visa International Service Association
    Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
  • Patent number: 11062295
    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: August 9, 2018
    Date of Patent: July 13, 2021
    Assignee: PAYPAL, INC.
    Inventors: J. Hastings Granbery, Max Metral
  • Patent number: 11063943
    Abstract: A system and method are presented for the re-authentication of asynchronous messaging, specifically within enterprise to consumer communications. A third-party enterprise messaging server may be used as a conduit for a messaging service allowing for customer interaction with a business. The messaging server can append a re-authentication process for customers once a customer has been authenticated by the enterprise. Each time a customer resumes an interaction exceeding a timeout threshold, the messaging server invokes its re-authentication process. Lapsed interactions may be treated as continuous without having the customer re-authenticate through the enterprise specific authentication.
    Type: Grant
    Filed: November 5, 2018
    Date of Patent: July 13, 2021
    Inventors: Daniel Stoops, Cliff Bell
  • Patent number: 11055677
    Abstract: 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: Grant
    Filed: November 16, 2020
    Date of Patent: July 6, 2021
    Assignee: Ceres Coin LLC
    Inventors: John Gregory Anderson, Charles Henry Uchill, Sean McNamara
  • Patent number: 11055705
    Abstract: A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device. The process may include sending an authentication request to a remote access control sever to authenticate the user, and receiving, from the remote access control server, an authentication tracking value that the remote access control server used in generation of an authentication cryptogram. The process may also include generating, using the authentication tracking value, a domain restriction cryptogram that is used for domain restriction of the token, and sending, to the plug-in application, the domain restriction cryptogram.
    Type: Grant
    Filed: March 19, 2019
    Date of Patent: July 6, 2021
    Assignee: Visa International Service Association
    Inventors: Christian Aabye, Christopher Jones
  • Patent number: 11049202
    Abstract: Embodiments of the present disclosure provide a computer and network architecture configured to provide one or more travel services to users. The one or more travel services may enable the user to obtain funds in the event that the user's financial cards and/or cash are lost or stolen while the user is travelling. Additionally, the one or more travel services may enable the user to obtain a temporary form of identification if the user's passport or other form of identification are lost or stolen while travelling. Other travel services may that may be provided include a financial card cancellation service, a credit bureau alert service, a prepaid card service, or other services that enable a user to recover from an emergency situation that arises while the user is travelling.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: June 29, 2021
    Assignee: Moneygram International, Inc.
    Inventors: Cory J. Feinberg, Kathleen L. Miller, Rene Humphrey Beasley, Jesus R. Montano
  • Patent number: 11037108
    Abstract: A method for facilitating a wireless transaction includes receiving, by a transaction fulfillment system, a transaction request from a transaction requester and verifying an identity of the transaction requester. After verifying the identity of the transaction requester, a transaction code is communicated from the transaction fulfillment system to a wireless communication device. After receiving the transaction code, the transaction code is optically scanned from a visual display of the wireless communication device by the transaction fulfillment system.
    Type: Grant
    Filed: October 3, 2017
    Date of Patent: June 15, 2021
    Assignee: Aeritas, LLC
    Inventors: Malik Mamdani, Curtis Grant, Patrick Johnson, Kevin Bomar, Tim Whatley
  • Patent number: 11037214
    Abstract: A system, method, and a computer-readable storage device for generating a performance offering for executing an interactive application in a cloud system is described herein. In one aspect, a purchasing request is received from a customer device. The purchasing request may include an interactive application profile of an interactive application that lists a web service utilized by an interactive application. A performance offering for hosting the web service is then generated based on an analysis of a web service benchmark corresponding to the web service and a cloud profile. The cloud profile can characterize computing resources available within a cloud system. The performance offering is then communicated to the customer device as a user selectable menu option.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: June 15, 2021
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Filippo Balestrieri, Bernardo Huberman
  • Patent number: 11037136
    Abstract: Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.
    Type: Grant
    Filed: January 24, 2019
    Date of Patent: June 15, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Wayne Lutz, Paul Moreton
  • Patent number: 11030324
    Abstract: A method for assessing risk associated with a request from an inquirer for allele frequency from a database of genetic data, comprising: (i) generating an allele database comprising allele frequency information and request frequency information for each of a plurality of alleles; (ii) generating an inquirer database comprising allele request information about a plurality of inquirers; (iii) receiving a request for genetic data from an inquirer, comprising a request for allele frequency for one or more alleles and an identifier of the inquirer; (iv) updating the request frequency information based on the received request; (v) updating the allele request information for the requesting inquirer; (vi) calculating an allele risk score; (vii) calculating an inquirer risk score; and (viii) assessing, based on the allele risk score and the inquirer risk score, a risk associated with the received request.
    Type: Grant
    Filed: November 26, 2018
    Date of Patent: June 8, 2021
    Assignee: KONINKLIJKE PHILIPS N.V.
    Inventors: Jin Qu, Fubiao Xia, Yong Mao, Alexander Ryan Mankovich, Raymond J. Krasinski
  • Patent number: 11023887
    Abstract: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: June 1, 2021
    Assignee: Capital One Services, LLC
    Inventors: Paul Y Moreton, Matthew de Ganon, Thomas S Poole
  • Patent number: 11025562
    Abstract: An electrical computer system processing architecture for providing an indication of activity in the electrical computer system, the electrical computer system processing architecture comprising a plurality of client computers connected to at least one server by a computer network. Each of the client computers is configured to provide requests to the at least one server. The or each server comprises a store for storing requests provided by the plurality of client computers. The or each server is configured to match complementary requests from the plurality of client computers stored in the store. Following the matching of complementary requests, the or each server counts unmatched requests corresponding to one or other of the complementary requests in the store, and outputs the counted number of unmatched requests to provide the indication of activity in the computer system.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: June 1, 2021
    Assignee: NEX Services North America LLC
    Inventors: Jason Chauval, Christopher Freedlander, David J. Lyons
  • Patent number: 11010384
    Abstract: A request may be received to join one or more attributes of at least two independent sets of data into a data structure. The one or more attributes may include a time attribute. The two independent sets of data may be included within a data store. It may be determined that there are one or more null values associated with the join to the data structure. In response to at least the determining that there are one or more null values associated with the join, one or more values may be imputed into one or more fields corresponding to the one or more null values, wherein there are no null values in the one or more fields subsequent to the imputing.
    Type: Grant
    Filed: September 3, 2019
    Date of Patent: May 18, 2021
    Assignee: International Business Machines Corporation
    Inventors: Ramya Raghavendra, Joshua M. Rosenkranz, Mudhakar Srivatsa
  • Patent number: 10990558
    Abstract: A method of processing payment transactions includes receiving a connection request from a client device, determining whether a gateway is available for the client device, creating a connection between the client device and a gateway, the gateway being a previously existing gateway or a newly generated gateway, creating a message filter for the client device on a message bus, listening for messages on the message bus and transmitting the message to the client device by way of the gateway upon finding a message on the message bus matching the message filter.
    Type: Grant
    Filed: February 28, 2020
    Date of Patent: April 27, 2021
    Assignee: Worldpay, LLC
    Inventors: Walter Banks, Christopher Guthrie
  • Patent number: 10990953
    Abstract: Systems, methods and apparatus are disclosed for remote management of payment terminals. Public keys, or other security elements can be received from a certification authority and distributed to the payment terminals. A merchant, or other entity affiliated with the payment terminals, can monitor the status of the software and security elements of the payment terminals.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: April 27, 2021
    Assignee: Worldpay, LLC
    Inventors: Erik William Baar, Patricia Lynn Walters
  • Patent number: 10988112
    Abstract: A system includes a computer including a processor and a memory. The memory stores instructions executable by the processor to store an electronic ledger that specifies an authorized operation for an entity to perform for a vehicle, receive a request, including an entity identifier for an entity making the request, to perform a requested operation, query the electronic ledger to determine that the requested operation is the authorized operation, and actuate the vehicle based on the authorized operation. The electronic ledger is a distributed electronic ledger shared between at least the vehicle and the entity.
    Type: Grant
    Filed: September 17, 2019
    Date of Patent: April 27, 2021
    Assignee: Ford Global Technologies, LLC
    Inventors: Robert D. Bedard, Clifford Anthony Bailey, Willie Ham, Ali Hassani, Michael Kruntovski, Lauren Peng
  • Patent number: 10984458
    Abstract: A method whereby the date of birth (age) of a consumer engaging in e-commerce over the Internet is verified. The present invention is launched from a merchant's website when an age sensitive transaction—alcohol or tobacco purchase, access to an adult web site, etc., —is being undertaken. The system first checks to see if the consumer is a known entity with a known date of birth. If the consumer is not known to the system, then the system checks public records from information supplied to the system by the consumer. If the date of birth is still unknown after such a check, the consumer uploads an image of photo identification which is checked for date of birth either via software or manually. Once the date of birth is known, the transaction is approved or denied based on the totality of the facts of the transaction.
    Type: Grant
    Filed: September 22, 2016
    Date of Patent: April 20, 2021
    Assignee: Bankcard USA Merchant Services, Inc.
    Inventor: Ricardo Andres Alvarez Gutierrez
  • Patent number: 10977717
    Abstract: A system, a wearable device and method for monitoring hand actions. The method comprises: obtaining a visual input from a sensor located on the wearable device worn by a subject. The sensor is configured to capture at least an interior portion of a hand of the subject. The method further comprises identifying, based on the visual input, an object and an action performed by the hand of the subject with respect to an object. The method further comprises performing a responsive action based on at least one of the action and the object. The wearable device is configured to be utilized for self-service shopping, manual fulfillment of a shopping order of a customer, mapping locations of items, detecting violation of safety rules, monitoring health-care systems, managing labs or manufacturing plant, or for other applications related to hand actions monitoring.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: April 13, 2021
    Assignee: PICKEY SOLUTIONS LTD.
    Inventor: Omer Shmueli
  • Patent number: 10970777
    Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.
    Type: Grant
    Filed: September 14, 2009
    Date of Patent: April 6, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Theresa Altman, Gidget Hall, Edward McLaughlin
  • Patent number: 10972861
    Abstract: An electronic device is provided.
    Type: Grant
    Filed: November 2, 2017
    Date of Patent: April 6, 2021
    Inventors: Jong-Eun Yang, Jinho Moon
  • Patent number: 10970676
    Abstract: In one embodiment of the present invention, provided is a system and methods for managing vehicles on a car dealer lot and for customer relation management after the time of sale of the vehicle, the system having a first mode, where the system tracks the location of vehicles on the dealer's lot so that vehicles can be easily found by make, model, trim level, price and other distinguishing vehicle features, the system further providing vehicle access authorization and reporting of any access or status change to the vehicle. In a second mode, data is collected from the vehicle data bus network regarding vehicle performance, driving behavior, history, and similar parameters and is analyzed and packaged so it may be usefully be communicated to the vehicle owner or others.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: April 6, 2021
    Assignee: VOXX INTERNATIONAL CORPORATION
    Inventor: Michael S. Simmons
  • Patent number: 10965653
    Abstract: A method includes a first computing entity receiving a request for first data from an affiliated source device by a user device. When a re-encryption key of the user device is not based on a key pair of the first computing entity the method further includes decrypting the first encrypted data using a private key of the first computing entity and encrypting the recovered first data with a public key of a second computing entity to produce second encrypted data. The method further includes encrypting the second encrypted data with the re-encryption key of the user device to produce double encrypted data. The method further includes sending the double encrypted data to the user device, where the user device is capable of decrypting the double encrypted data to recover the first data using a private key of the user device based on a key pair of the second computing entity.
    Type: Grant
    Filed: March 21, 2019
    Date of Patent: March 30, 2021
    Assignee: Xaptum, Inc.
    Inventors: David Robinson Bild, Pradeep Srinivas Barthur, Irina Guberman, Zane Van Beckwith, Gary W. Grube, Mario Frank DeRango, Venkatakumar Srinivasan
  • Patent number: 10963932
    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: April 18, 2018
    Date of Patent: March 30, 2021
    Assignee: Visa International Service Association
    Inventors: Ben Dominguez, Douglas Fisher, Julie Chan
  • Patent number: 10963869
    Abstract: A social networking system, computer program product, and methods with a Personal Avatar executing on a first server node and a zero knowledge Arbiter executing on a second server node in a network of the social networking system. The Personal Avatar communicates social networking system messages in a communication session using a zero knowledge protocol with the zero knowledge Arbiter executing on the second server node operating in zero knowledge and using zero knowledge verifiable computing to enforce usage conditions on social networking system messages communicated in a communication session with the zero knowledge Arbiter. The zero knowledge Personal Avatar communicates social networking system messages in a communication session using a zero knowledge protocol with the zero knowledge Arbiter. The methods ensure privacy of an end user of the social networking system.
    Type: Grant
    Filed: July 14, 2016
    Date of Patent: March 30, 2021
    Assignee: International Business Machines Corporation
    Inventors: James R. Kraemer, Jeb R. Linton
  • Patent number: 10949829
    Abstract: Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: March 16, 2021
    Assignee: Square, Inc.
    Inventors: Alan Paulin, Peter Westen, Shawn Welch, Daniel Federman, Michael Gershunovsky, Ayokunle Omojola
  • Patent number: 10937031
    Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: March 2, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Justin Monk, Kaushik Subramanian, Thanigaivel Ashwin Raj
  • Patent number: 10929850
    Abstract: A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: February 23, 2021
    Inventor: Marc George
  • Patent number: 10929857
    Abstract: Provided is a method for assisting provision of EC abroad, and for encouraging cross-border EC by making delivery abroad easier. The method includes the steps of: sending, by the assisting server 100, display information of at least one of articles included in article information for an existing EC site to a user terminal 120 of a foreign user (S201); receiving, by the assisting server 100, a notice that a displayed article was selected from the user terminal 120 (S202); and further includes the steps of: sending, by the assisting server 100, a purchase cost of the selected article to the user terminal 120 (S203); and receiving, by the assisting server 100, a notice to purchase the selected article from the user terminal 120 (S204).
    Type: Grant
    Filed: August 29, 2016
    Date of Patent: February 23, 2021
    Assignee: ZIG-ZAG, INC.
    Inventors: Kazuyoshi Nakazato, Hisashi Arakaki
  • Patent number: 10922741
    Abstract: Systems and methods for text-based secure order processing are disclosed. The system may receive an order initiation request from a user device. Based on the order initiation request, the system may retrieve a conversational order script having one or more scripted conversation prompts. The system may transmit the conversation prompts to the user device and receive one or more conversation responses from the user device. Based on the conversation responses, the system may transmit a purchase link to the user device. The purchase link may allow the user device to access a web interface to complete the purchase order.
    Type: Grant
    Filed: January 14, 2019
    Date of Patent: February 16, 2021
    Assignee: Triton Technologies, Inc.
    Inventors: Cameron Symonds, Debbie Cohen Skelton
  • Patent number: 10924564
    Abstract: Embodiments of apparatus and methods for providing recommendations based on environmental data and associated contextual information are described. In embodiments, an apparatus may include a data collector to receive environmental data and an analysis module to identify a behavioral model of the first user based at least in part on the environmental data associated contextual information of the first user. The apparatus may further include a recommendation module to provide a recommendation to the first user based at least in part on the behavioral model of the first user and/or environmental data for a second user. Other embodiments may be described and/or claimed.
    Type: Grant
    Filed: July 10, 2017
    Date of Patent: February 16, 2021
    Assignee: Intel Corporation
    Inventors: Igor Tatourian, Rita H. Wouhaybi, Hong Li, Tobias M. Kohlenberg
  • Patent number: 10915898
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: February 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • Patent number: 10915552
    Abstract: An example operation may include one or more of receiving a signed transaction from a blockchain member device, responsive to receiving the signed transaction, identifying a credential assigned to the blockchain member device, and the credential certifies a public key is assigned to the blockchain member device and was used to sign the signed transaction, determining whether to commit the signed transaction to a blockchain based on the credential, and responsive to determining to commit the signed transaction based on the credential, storing the signed transaction anonymously in the blockchain.
    Type: Grant
    Filed: June 28, 2018
    Date of Patent: February 9, 2021
    Assignee: International Business Machines Corporation
    Inventors: Jan L. Camenisch, Manu Drijvers, Maria Dubovitskaya
  • Patent number: 10915893
    Abstract: The invention relates to a method for processing transaction data representing a payment made by a user through a communications terminal (TC). According to the invention, such a method comprises loading a virtual payment terminal (vPos) within a first secured memory space (SecSpace1) of the communications terminal (TC), said virtual terminal (vPos) taking the form of a software module recorded within a secured storage space of the communications terminal (TC); loading at least one virtual payment card (vCB) within a second secured space (SecSpace2); and processing, by the virtual payment terminal (vPos), of a payment transaction using said at least one virtual payment card (vCB).
    Type: Grant
    Filed: April 10, 2015
    Date of Patent: February 9, 2021
    Assignee: INGENICO GROUP
    Inventor: Pierre Quentin
  • Patent number: 10911216
    Abstract: This disclosure relates to data encryption and decryption. In one aspect, a method includes receiving, by a second peer end computing device, first data from a first peer end computing device. The second end computing device generates a random term based on a result range pre-agreed upon with the first peer end computing device. The result range includes a minimum result value and a maximum result value. The random term is a product of a random number and an agreed upon constant. The agreed upon constant is greater than a difference between the maximum result value and the minimum result value. The second peer end computing device performs a homomorphic operation based on the first data, local private second data, and the random term to obtain an encryption result. The second peer end computing device returns the encryption result to the first peer end computing device.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: February 2, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Lichun Li, Wenzhen Lin, Huazhong Wang
  • Patent number: 10902455
    Abstract: The present system provides a user remuneration in exchange for participation in a qualifying event. The system has an internet interface for interacting with a plurality of users and a plurality of advertisers, an account database; and a token generation module. The token generation module is configured such that when a user encounters a qualifying event on the internet as presented by the advertiser, the token generation module, upon login by the user, delivers an authentication token to the advertiser. When the user finishes the qualifying event, the authentication token is authenticated by the advertiser and returned to the system, such that the system can account for a remuneration for the user to be credited in an account associated with the user in the account database.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: January 26, 2021
    Inventors: Francesco Rulli, Maurizio Ranaboldo
  • Patent number: 10904017
    Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for managing blockchain-based centralized ledger systems. One of the methods includes transmitting a timestamp request for a to-be-timestamped block of a blockchain at a time point to a trust time server by a ledger server in a blockchain-based centralized ledger system that stores data in the blockchain, the trust time server being associated with a trust time authority and independent from the blockchain-based centralized ledger system, the blockchain including a plurality of blocks storing transaction data, and disregarding the timestamp request in response to determining that a predetermined time period has lapsed after the time point and that there has been no reply to the timestamp request from the trust time server.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: January 26, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Yize Li, Yuan Zhang, Wenyuan Yan, Benquan Yu, Xinying Yang
  • Patent number: 10896452
    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: February 28, 2017
    Date of Patent: January 19, 2021
    Assignee: Visa International Service Association
    Inventors: Benedicto Dominguez, Douglas Fisher, Julie Chan
  • Patent number: 10885155
    Abstract: When upgrading a software installed in an analysis device PC (1) that is not connected to the Internet (4), a user performs a predetermined operation with the analysis device PC (1) to acquire a license authentication cancellation key. When the user accesses a server (5) from a user terminal (2) with a predetermined account and enters the license authentication cancellation key, a license authentication cancellation unit (52) cancels authentication of a license for a previous version. Furthermore, when the user enters a product serial number of an upgrade version software 3 and the like, an upgrade verification unit (53) confirms that the user owns the license for the previous version and that the authentication has been canceled, and an activation key issue unit (54) issues an activation key for an upgrade license. Using this, a device user activates the upgraded software installed in the analysis device PC (1).
    Type: Grant
    Filed: June 15, 2016
    Date of Patent: January 5, 2021
    Assignee: SHIMADZU CORPORATION
    Inventor: Atsushi Matsudaira