Secure Transaction (e.g., Eft/pos) Patents (Class 705/64)
  • Patent number: 10776471
    Abstract: Systems and methods for enrolling and authenticating a user in an authentication system via a user's camera of camera equipped mobile device include capturing and storing enrollment biometric information from at least one first image of the user taken via the camera of the mobile device, capturing authentication biometric information from at least one second image of the user, capturing, during imaging of the at least one second image, path parameters via at least one movement detecting sensor indicating an authentication movement of the mobile device, comparing the authentication biometric information to the stored enrollment biometric information, and comparing the authentication movement of the mobile device to an expected movement of the mobile device to determine whether the authentication movement sufficiently corresponds to the expected movement.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: September 15, 2020
    Assignee: FaceTec, Inc.
    Inventor: Kevin Alan Tussy
  • Patent number: 10776778
    Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting, by a receipt tracker of the mobile wallet computer system, identifying information from the receipt; sorting, by the mobile wallet computer system, the identifying information; generating, by the mobile wallet computer system, a user-specific offer based on the sorted identifying information; and providing, by the mobile wallet computer system, the user-specific offer to a mobile device of the user.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: September 15, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin M. Sahni, Nikolai Stroke
  • Patent number: 10776779
    Abstract: A method of tracking mobile wallet transaction receipts is provided. The method includes: associating an email address with a mobile wallet, the mobile wallet storing information corresponding to a plurality of mobile wallet transactions; accessing an email inbox associated with the email address, the email inbox containing a plurality of emails received at the email address; identifying, in the email inbox, a receipt email containing a receipt; forwarding the receipt email to a mobile wallet email inbox associated with the mobile wallet; determining receipt information from the receipt; and associating the receipt with one or more of the plurality of mobile wallet transactions based on the receipt information.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: September 15, 2020
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 10771922
    Abstract: One or more location analysis computing devices, methods, and computer-readable media are disclosed herein for determining the position of a mobile device (smartphone, tablet computer) within an interior of a vehicle. The position of the mobile device may be calculated by detecting changes in accelerometer data. The accelerometer data may first need to be translated to determine corresponding axes, since the device may not be right side up (e.g., in a pocket). The vehicle may travel over road discontinuities such as bumps, and calculating the position of the mobile device may be based on the different magnitude and angle resulting from a first tire and a second tire hitting the bump. Data from vehicle sensors or other mobile device sensors may also be used in the calculating. Once the position is determined, commands may be sent to the mobile device to deactivate certain functionality, or to a remote server for further processing.
    Type: Grant
    Filed: January 11, 2019
    Date of Patent: September 8, 2020
    Assignee: Allstate Insurance Company
    Inventors: Soren K. Lundsgaard, Dana Ferguson, Jared S. Snyder
  • Patent number: 10769510
    Abstract: An account is managed using information read from a dual frequency transponder. Information stored on the dual frequency transponder can be read by a NFC-enabled device and by a UHF RFID reader. The information links, corresponds, or otherwise provides access to account information stored at a remote server. For example, a NFC-enabled device can read the information from the dual frequency transponder and use that information to enable instant and on-the-spot recharging of a toll account. In addition, a UHF RFID toll reader can scan information from the dual frequency transponder and use that information to debit toll charges from the correct toll account. The dual frequency transponder can be embedded in a license plate and read using a reader placed in the road. Additionally, the transponder can be configured to function at the correct frequency only when a valid vehicle registration sticker is applied to the license plate.
    Type: Grant
    Filed: September 18, 2018
    Date of Patent: September 8, 2020
    Assignee: NEOLOGY, INC.
    Inventors: Francisco Martinez de Velasco Cortina, Joe Mullis, Manfred Rietzler, Sheshi Nyalamadugu, Rodolfo Monsalvo
  • Patent number: 10769614
    Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.
    Type: Grant
    Filed: July 9, 2018
    Date of Patent: September 8, 2020
    Assignee: Visa International Service Association
    Inventors: Christian Aabye, Hao Ngo, David William Wilson, Gustavo Mariath Zeiden, Chris Pitchford, Kiushan Pirzadeh
  • Patent number: 10769889
    Abstract: A computer system for coordinating a wagering event said system comprises a software interface comprising a betting section and an access section. The betting section maintains a sport list, an event list, a participant list, a bet list, and a wager list. The event list contains a plurality of sporting events each of which is associated with one of the plurality of sports in the sport list. Each participant is associated with one of the plurality of sporting events. Each bet is associated with one of the plurality of sporting events. Each wager type of the wager list is associated with one of the plurality of bets. The access section comprising a user list containing a plurality of users, a list of roles, and a plurality of permissions. Odds associated with each sporting event are based on the wager types and the bets associated with participants of sporting events.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: September 8, 2020
    Inventor: Harry Platis
  • Patent number: 10768865
    Abstract: A method, a non-transitory computer readable medium, and a system are disclosed for creating a mapping library for converting a job ticket. The method includes obtaining a print job ticket schema that comprises a plurality of user items and user values; obtaining at least one sample print ticket each of which comprises a part of the plurality of user items and user values; obtaining a print job history that indicates whether a print job was successfully executed using the job ticket that has been previously created; and displaying a graphical user interface (GUI), which allows a user to associate the user values with target values to be used to execute a print job, wherein at least one of the user values and/or at least one of the target values that was used for the successful print job is shown in a different appearance from other user values and/or target values.
    Type: Grant
    Filed: March 31, 2017
    Date of Patent: September 8, 2020
    Assignee: KONICA MINOLTA LABORATORY U.S.A., INC.
    Inventor: Ryoichi Yokoohji
  • Patent number: 10748153
    Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.
    Type: Grant
    Filed: October 18, 2018
    Date of Patent: August 18, 2020
    Assignee: Apple Inc.
    Inventors: Marcel Van Os, Christopher D. Adams, Charles Ahn, Pablo F. Caro, George R. Dicker, Craig M. Federighi, Woo-Ram Lee, Brian Tucker, Giancarlo Yerkes
  • Patent number: 10748138
    Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client application, and a server are provided. The memory of the contactless card may include a first card number table storing a first plurality of card numbers, each card number associated with a user account. A first applet may cycle through the first card number table and transmit each of the first plurality of card numbers to a second applet. In response to detection of one or more gestures by the card, the client application may read one or more of the first plurality of card numbers from the second applet and transmit a verification request associated with the one or more read card numbers to the server, which may compare the one or more read card numbers to a number from a second card number table and transmit a verification determination to authenticate the card.
    Type: Grant
    Filed: October 2, 2019
    Date of Patent: August 18, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Colin Hart, Michael Saia, Bryant Yee, William Carroll
  • Patent number: 10748169
    Abstract: Methods and systems for processing an electronic transaction between a cardholder and a merchant using a payment card carried out over a payment network are provided. An example method comprises receiving tokenization data including identification data associated with a token representing payment data of the payment card, and issuer data indicative of rewards information associated with the payment card; receiving a rewards inquiry request from a merchant terminal, where the rewards inquiry request comprises the token and where the token is associated with the payment data for making the transaction; determining the rewards information associated with the rewards inquiry request using the tokenization data; and transmitting the rewards information to the merchant terminal for preparation of a transaction request to an acquirer using the rewards information.
    Type: Grant
    Filed: May 10, 2016
    Date of Patent: August 18, 2020
    Assignee: MASTERCARD ASIA PACIFIC PTE. LTD.
    Inventors: Vijin Venugopalan, Joseph Damon Hayes
  • Patent number: 10748129
    Abstract: Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.
    Type: Grant
    Filed: March 19, 2018
    Date of Patent: August 18, 2020
    Assignee: First Data Corporation
    Inventors: Christopher L. Toomer, Steven E. Arthur
  • Patent number: 10749669
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for storing data are provided. One of the methods includes: receiving a transaction request from a first node, the transaction request comprising transaction data; determining, based on the transaction data, a blockchain network corresponding to the transaction request from a plurality of blockchain networks, wherein the first node is excluded from a consensus process associated with the determined blockchain network; and forwarding the transaction request to the determined blockchain network.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: August 18, 2020
    Assignee: Alibaba Group Holding Limited
    Inventor: Ning Li
  • Patent number: 10740699
    Abstract: A method for enabling transactions on networks that deliver services to users includes communicating a transaction application and a respective user identifier to a mobile communication device via a wireless connection. A set of complementary modules is stored, remote from the mobile communication device. When one of the complementary module has been loaded on the user's mobile communication device, it enables the user of the device to specialize a transaction on at least one of the associated networks by selecting at least one variable of the transaction. Different complementary modules can be provided to the user's mobile communication device for specializing transactions on other service provider networks.
    Type: Grant
    Filed: July 20, 2016
    Date of Patent: August 11, 2020
    Assignee: Conduent Business Services, LLC
    Inventors: Denis Flotat, Remi Feuillette, Jean-Pierre Chichignoud, Pascal Roux, Denis Letourneau, Gregory Michiel, Cédric Chapignac
  • Patent number: 10735195
    Abstract: Example implementations may relate to a host and a storage system that communicate by a block storage protocol. For example, the host may embed host credentials in a data packet of the block storage protocol, and the data packet of host credentials may be cryptographically signed by a certificate authority trusted by a user of the host to generate a signed credential packet. The signed credential packet may be transmitted in a data path between the host and the storage system. The storage system may validate the signed credential packet using enrollment credentials and a certificate authority certificate and may authenticate the host to a logical unit.
    Type: Grant
    Filed: August 12, 2015
    Date of Patent: August 4, 2020
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Stanley S Feather, Kurt William Heberlein
  • Patent number: 10735416
    Abstract: Method and systems described herein may provide multifactor mutual authentication. A first server may provide a first party and a second party with at least two authentication components in order for the first party to authenticate the identity of the second party, and vice versa. The first authentication component may include a color-based authentication component, while the second authentication component may include a code-based authentication component. Both factors need to be validated in order for the authentication to be successful. The color-based authentication component, in combination with the code-based authentication component, may improve the speed with which the mutual authentication is performed.
    Type: Grant
    Filed: November 8, 2019
    Date of Patent: August 4, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Phillips, Andrew Grossman, Rachel Collins
  • Patent number: 10732588
    Abstract: The present invention discloses a decentralized computing network system and a computing processing node (CPN) for the system.
    Type: Grant
    Filed: June 1, 2016
    Date of Patent: August 4, 2020
    Assignee: LYNKROS TECHNOLOGY (BEIJING) CO., LTD.
    Inventor: Ziyan Jiang
  • Patent number: 10735559
    Abstract: A card device is adapted to accept a load packet for an applet and to process and apply to the load packet an INSTALL command in order to prompt an installation of an instance of the applet in the card device. The INSTALL command is adapted to set up in the card device an application identifier comprised in the loading package that relates to the instance of the applet to be installed. The INSTALL command is adapted to install the applet instance while considering the application identifier and to set up in the card device at least one further application identifier that relates to the same instance of the applet.
    Type: Grant
    Filed: June 9, 2017
    Date of Patent: August 4, 2020
    Assignee: GIESECKE+DEVRIENT MOBILE SECURITY GMBH
    Inventor: Oliver Gibis
  • Patent number: 10735404
    Abstract: Techniques are described in which a service store is provided that allows consumers to shop for services online. The service store system architecture includes a service store which interacts over a network with service consumers, service providers, a social single sign-on aggregated identity engine, and various external partners. Through the online service store, complex and customized ordering and fulfillment processes are achieved using the service store environment.
    Type: Grant
    Filed: November 29, 2017
    Date of Patent: August 4, 2020
    Assignee: Avatier Corporation
    Inventors: Nelson A. Cicchitto, Anthony R. T. Simmons
  • Patent number: 10721324
    Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: July 21, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam
  • Patent number: 10713677
    Abstract: A method for social saving via blockchain includes: storing blockchain data for a blockchain, each block including at least a block header and blockchain data values associated with each of a plurality of social saving communities including, for each community, account identifiers associated with a plurality of transaction accounts issued by a plurality of issuing institutions; receiving a transaction notification for each account for each community, the notification including the account identifier, a transaction amount, and a confirmation of payment from the issuing institution; updating the blockchain to include, for each transaction, a new blockchain data value that includes the account identifier, transaction amount, and a community identifier; identifying a single account for each community; and initiating payment of a reward amount to the account for each community, wherein the reward amount is based on a sum of amounts received for the respective community.
    Type: Grant
    Filed: December 13, 2017
    Date of Patent: July 14, 2020
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
    Inventors: Mhd Zuhir Ziedan, Maissoun Abou Hamra
  • Patent number: 10715332
    Abstract: In an example, memory address encryption is facilitated for transactions between electronic circuits in a memory fabric. An electronic circuit may obtain a transaction integrity key and a transaction encryption key. The electronic circuit may encrypt an address using the transaction encryption key and a compute a truncated message authentication code (MAC) using the transaction integrity key.
    Type: Grant
    Filed: October 30, 2014
    Date of Patent: July 14, 2020
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Ludovic Emmanuel Paul Noel Jacquin, Liqun Chen, Chris I. Dalton
  • Patent number: 10706414
    Abstract: The invention relates to a token-based mobile payment device comprising: a memory component that stores tokens and corresponding token use data; an interactive display that receives user input and in response to the user input, displays output data; a processor, coupled to the memory component and the interactive display, configured to perform the steps of: request a token to be transmitted to one or more recipients; identify an amount for the token and one or more restrictions on use of the token; communicating, via a wireless communication network, the token to the one or more recipients; and tracking the token and providing active token use data, via the interactive display.
    Type: Grant
    Filed: May 6, 2016
    Date of Patent: July 7, 2020
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Alex Lieberman, Nicholas M. Lore
  • Patent number: 10708776
    Abstract: Systems and methods are provided that include: accessing implicit authentication data from a possession factor associated with an authorized user; at the possession factor or at an authentication platform: generating a possession confidence level using the implicit authentication data, the possession confidence level being one of a plurality of possession confidence levels, the possession confidence level indicating a likelihood that the possession factor is possessed by the authorized user; identifying, among a plurality of varying authentication requirements, an authentication requirement for the transaction based on the possession confidence level, the authentication requirement defines a process or action to prove authority to perform the transaction or a process or action to prove an identity of a user attempting to perform the transaction; and implementing the authentication requirement for the transaction.
    Type: Grant
    Filed: September 18, 2017
    Date of Patent: July 7, 2020
    Inventors: Michael Hanley, Jon Oberheide
  • Patent number: 10684917
    Abstract: A mobile terminal for performing backup and restoration of data according to an embodiment of the present invention includes a wireless communication unit configured to connect to another mobile terminal, a display unit, a memory configured to store a backup application for performing the backup and restoration of the data, and a controller configured to make a request to perform near field communication (NFC) tagging with the other mobile terminal in order to receive a backup file including the data from the other mobile terminal, configured to connect to the other mobile terminal through the wireless communication unit on the basis of the NFC tagging, and configured to restore the data included in the backup data received from the other mobile terminal.
    Type: Grant
    Filed: February 16, 2016
    Date of Patent: June 16, 2020
    Assignee: LG ELECTRONICS INC.
    Inventors: Harim Jang, Sunmi Choi
  • Patent number: 10679291
    Abstract: A method of maximizing the number of shares purchased under an ESPP with limited employee capital contributions, comprising the steps of selecting a monetary contribution amount or an amount to be deducted from an employee's monetary compensation for contribution to the plan, wherein the contribution amount is less than a maximum allowable contribution under allowable limits of the plan; selecting a rebalancing price at which the employee wishes to sell shares of employer stock at the end of an offering period under the plan; taking a simultaneous short and long position in derivative or other financial instrument that would allow for the disposition of shares acquired in the plan at an employee-designated strike price, the short and long positions having different strike prices; having a third party or broker-dealer provide a supplemental monetary contribution equal to a difference between the employee's selected contribution amount and the maximum allowable contribution under the plan over the course of the
    Type: Grant
    Filed: October 14, 2019
    Date of Patent: June 9, 2020
    Assignee: CARVER EDISON, INC.
    Inventor: Aaron J. Shapiro
  • Patent number: 10679214
    Abstract: A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the second mobile device;
    Type: Grant
    Filed: March 9, 2016
    Date of Patent: June 9, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATION
    Inventors: William J. Good, Joshua Fields, Mark Smelcer, Amit Patankar, Renee Mirka
  • Patent number: 10671984
    Abstract: A computer server includes a transaction processor that is configured to receive from a POS terminal an incoming authorization request that includes an original numeric value, a token cryptogram and an identification number identifying an identity token; confirm that the token cryptogram was generated from the original numeric value and a cryptographic key associated with the token; determine primary and secondary numeric values from the original numeric value and a user profile associated with the identification number; confirm that the secondary numeric value is not greater than the balance in a loyalty points account associated with the identification number; transmit to an authorization server a revised authorization request that includes the identification number and the primary numeric value; and receive from the authorization server a confirmation message confirming that the primary numeric value is not greater than the balance in a payment account associated with the identification number.
    Type: Grant
    Filed: September 8, 2017
    Date of Patent: June 2, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Hayhow, Giovanna Borsella, Milos Dunjic, Jeffrey Aaron Ecker, Bryan Michael Gleeson, Arthur Carroll Chow, Anthony Haituyen Nguyen, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10673819
    Abstract: A system for secure communication, including a first security computer communicatively coupled with a client computer via an SSL connection, including a certificate creator, for receiving certificate attributes of a server computer certificate and for creating a signed certificate therefrom, and an SSL connector, for performing an SSL handshake with the client computer using the signed certificate created by said certificate creator, and a second security computer communicatively coupled with a server computer via an SSL connection, and communicatively coupled with the first security computer via a non-SSL connection, including an SSL connector, for performing an SSL handshake with the server computer using a signed certificate provided by the server computer, and a protocol appender, for appending attributes of the signed certificate provided by the server computer within a message communicated to the first security computer. A method is also described and claimed.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: June 2, 2020
    Assignee: Finjan, Inc.
    Inventors: Yuval Ben-Itzhak, Shay Lang, Dmitry Rubinstein
  • Patent number: 10657486
    Abstract: In some examples, a smart container may enable crowdsourced delivery of items from a pickup location to a delivery location. The container may include a location sensor and a communication interface to enable the container to provide its location to at least one of a service computing device, a courier device, a sender device, or a recipient device. In some cases, a service provider may employ public transport vehicles to transport the container along a portion of a delivery route. One crowdsourced courier may pick up the container for placement on the public transport vehicle and another crowdsourced courier may pick up the container from the public transport vehicle and deliver the container to the delivery location. Further, the container may include multiple compartments, and recipients who receive a shipment in the container may be solicited to deliver the container to a delivery location of a next recipient.
    Type: Grant
    Filed: July 29, 2015
    Date of Patent: May 19, 2020
    Assignee: DOORDASH, INC.
    Inventors: Jonathan Andrew Wolter, Wiktor Macura
  • Patent number: 10657515
    Abstract: A method of enabling a payment between a payor using a mobile device and one of a plurality of payees using respective payee devices, comprising: monitoring a first communication channel for receipt of a broadcast of a first identifier corresponding to one of the plurality of payee devices; upon receipt of the first identifier, generating an identifier notification comprising the first identifier and a second identifier corresponding to the mobile device, and transmitting the identifier notification from the mobile device to a payment processor over a second communication channel; in response to receipt of the identifier notification transmitted from the mobile device at the payment processor, associating the second identifier of the identifier notification with the first identifier of the identifier notification in a payment processor memory of the payment processor; generating a payment request comprising the second identifier, and transmitting the payment request from the mobile device to the payment proce
    Type: Grant
    Filed: May 26, 2015
    Date of Patent: May 19, 2020
    Assignee: Parousya Technologies Pty Ltd
    Inventor: Arthur Argyropoulos
  • Patent number: 10659458
    Abstract: Method and systems for performing biometric registration and authentication of a user, via a user device, over a communication network to provide access to a secure network. The method includes transmitting, via the communication network, non-biometric authentication credentials of the user to initiate a determination of validity of the non-biometric authentication credentials. The method further includes receiving an authentication token based upon the determination of the validity of the non-biometric authentication credentials. The method further includes obtaining biometric information from the user via the user interface and at least one biometric sensor. Biometric data, produced from the biometric information obtained from the user, is sent to an ID server configured to store the biometric data in association with the user. The client app is configured to perform a biometric authentication to provide access to the secure network based on the biometric data stored by the ID server.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: May 19, 2020
    Assignee: Mastercard International Incorporated
    Inventors: Matteo Valenti, Elisabeth Lea Rode
  • Patent number: 10650633
    Abstract: A game controller downloads a chip database at a predetermined timing from a server and stores the chip database as offline data in a storage unit, determines whether communication with the server is possible, when a chip communication unit accesses a game chip, and authenticates the game chip with reference to a offline data table when the communication is impossible.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: May 12, 2020
    Assignee: Universal Entertainment Corporation
    Inventors: Shinsuke Yamaguchi, Kouichi Matsumoto, Yoshiyuki Kanno, Masaya Kato
  • Patent number: 10649984
    Abstract: A method that comprises obtaining from end user equipment a location object caused to be stored on the end user equipment by a service provider; and validating an online transaction attempted using the end user equipment, based at least in part on the location object so obtained. The method may further comprise obtaining transaction object information provided via the end user equipment; and obtaining information to assist in validating online transactions attempted using the transaction object information. The validating of the online transaction may comprise comparing a location specified by the location object to the information to assist in validating online transactions attempted using the transaction object information and taking a validation action based on a result of the comparing.
    Type: Grant
    Filed: October 6, 2017
    Date of Patent: May 12, 2020
    Assignee: BCE INC.
    Inventors: Jean Bouchard, Stéphane Maxime François Fortier
  • Patent number: 10630572
    Abstract: A network communication system is disclosed that comprises a communicating device that communicates instruction and data signals over a communication link, a user interface device that communicates instruction and data signals related to the communicating device, an administrator server that communicates with the communicating device and the user interface device, and a transceiver device that interacts with the communicating device and generates a communication signal having transaction event data about the interaction, wherein the administrator server retains and manages a client record associated with the communicating device and a partner record associated with the user interface device. The network communication system may comprise an open loop infrastructure or a closed loop infrastructure.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: April 21, 2020
    Assignee: iPayed, LLC
    Inventor: Jerry Wagreich
  • Patent number: 10621016
    Abstract: A system and method for managing notifications, notification subscriptions and subscriber responses while maintaining subscriber data privacy is provided.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: April 14, 2020
    Assignee: Entrespace, LLC
    Inventors: Michael Karchov, Jeffrey R. Miller
  • Patent number: 10621589
    Abstract: Methods, apparatuses, non-transitory computer program products, systems, and mobile terminal devices are disclosed for performing wireless financial transactions which separate an account identification and transaction authorization from a single charge card into two separate elements, which include at least an encrypted account identifier and a transaction-adaptive, context sensitive, dynamically content-rich, transaction authorization.
    Type: Grant
    Filed: November 11, 2013
    Date of Patent: April 14, 2020
    Inventor: Jonathan E. Jaffe
  • Patent number: 10614442
    Abstract: A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present.
    Type: Grant
    Filed: December 3, 2014
    Date of Patent: April 7, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Akshat Gupta, Ricardo Pareja
  • Patent number: 10609555
    Abstract: A system and a method of multi path communication to improve communication between an unmanned air vehicle (UAV) and ground control during a mission is disclosed. A database previously stores a plurality of secure data links to be used on networks during the mission for communicating and are managed for simultaneously distributing data flow among data links according to coverage and UAV location preventing third parties may compromise security of a mission. The database may be updated during the mission if needed.
    Type: Grant
    Filed: February 6, 2017
    Date of Patent: March 31, 2020
    Assignee: The Boeing Company
    Inventor: Victor Perez Villar
  • Patent number: 10606921
    Abstract: A document production system may construct a document from fragments based on a theme associated with the document. The theme may contain section(s), each section having an access control list (ACL) associated therewith. The ACL may specify role-based user group(s) and permission(s) for the role-based user group(s). The system may evaluable rules applicable to the document. At least one rule may pertain to the ACL(s). The evaluation may include, at least in part, utilizing user login information received over a network from a client device. In constructing the document, the system may assemble the document in accordance with the rules and utilizing the fragments and meta information that describes the document. The system may render the document thus assembled utilizing the ACL, generate a view of the document, and communicate the view of the document over the network to the client device for presentation on the client device.
    Type: Grant
    Filed: May 26, 2017
    Date of Patent: March 31, 2020
    Assignee: OPEN TEXT SA ULC
    Inventors: Johan Lorensson, Christian Wessman, Sverker Wendelöv, Robert Smith
  • Patent number: 10609024
    Abstract: An information processing device includes an imaged image display section configured to display an imaged image on a display, a registered user information retaining section configured to retain face identifying data of a registered user, a face authenticating section configured to detect a face image of the registered user present in the imaged image using the face identifying data retained in the registered user information retaining section, a region image display section configured to display, to the detected registered user, a region image specifying a region to which to move an object on the display, and a guidance control section configured to provide guiding assistance for facilitating the detected registered user moving the object to the region specified by the region image.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: March 31, 2020
    Assignee: SONY INTERACTIVE ENTERTAINMENT INC.
    Inventors: Nodoka Tokunaga, Masaki Takase
  • Patent number: 10607234
    Abstract: Generating a uniquely authentic copy of information uses a physical device that consistently produces unpredictable outputs based on inputs and the microstructure of the device. The device is verified to satisfy a given property. It is substantially difficult to manufacture another device that satisfies the given property and that produces a particular output in response to a particular input. Generating the uniquely authentic copy of information includes causing the device to be provided with a specific input to produce a specific output, causing the generation of a digital signature of the response and the information, and causing at least the device and the digital signature to be made available. Generating the uniquely authentic copy of information may also include making available the information, the specific input, and/or the specific output. The information may be a value of a banknote. The digital signature may be produced on behalf of an issuer.
    Type: Grant
    Filed: July 22, 2015
    Date of Patent: March 31, 2020
    Inventor: Silvio Micali
  • Patent number: 10599872
    Abstract: In some embodiments, a compromised data exchange system may include an interface configured to couple to a network, a processor, and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to extract data from one or more websites using a crawler, detect portions within the data that resemble personally identifying information (PO) data based on PII data patterns using a risk assessment module, and to compare a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. The instructions may further cause the processor to selectively assign a risk score to a data item within the database in response to determining the match using a risk scoring module.
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: March 24, 2020
    Assignee: Early Warning Services, LLC
    Inventors: Lester Leland Lockhart, III, David Hugh Munson, Gregor R. Bonin, Michael Cook
  • Patent number: 10592890
    Abstract: Logic to perform a point of sale (POS) transaction as Card Present. Logic may communicate with a web site of an online vendor to process a payment to the online vendor as a certified POS device. Logic may communicate with a payment service provider associated with the online vendor to process the payment in response to communicating with the web site. Logic may interact with a card reader to obtain a packet to process the payment with a payment instrument to verify the presence of the payment instrument. Logic may encrypt communications to transmit an authorization request to the payment service provider to process the payment with encrypted communications via a secure element agent of the certified POS device, the authorization request to comprise the packet to verify that the payment instrument is present for the transaction. And logic may receive an approval of the authorization request for the payment.
    Type: Grant
    Filed: September 3, 2014
    Date of Patent: March 17, 2020
    Assignee: INTEL CORPORATION
    Inventors: Miguel Ballesteros, John H. Vincent, Alan D. Bumgarner
  • Patent number: 10592647
    Abstract: A method for dynamically authenticating and granting access to a computing system may be provided. The method comprises receiving text data identifying a fact comprised in the text data, storing the identified fact in a knowledge base relating to a user profile, deriving at least one authentication question from the stored fact, and conducting a textual authentication dialog The dialog comprises presenting the at least one authentication question, receiving a response, analyzing the response using natural language processing, and determining, based on the analysis, whether the response comprises the stored fact from which the authentication question has been derived. Additionally, the method comprises granting access to the computing system, and presenting an enrichment question and receiving a related answer.
    Type: Grant
    Filed: September 25, 2017
    Date of Patent: March 17, 2020
    Assignee: International Business Machines Corporation
    Inventors: Patrizia Manganelli, Nicola Milanese, Cristina Bonanni, Domenico Raguseo
  • Patent number: 10594685
    Abstract: Methods, systems, and devices for user authentication are described. A user may attempt an authentication procedure when accessing an application or cloud platform. When the user requests access to the application or cloud platform, a server may determine one or more unique identifiers to display at a first application for the user, and the user may select one of the unique identifiers. The server may then display unique identifiers (e.g., in some cases, the same unique identifiers) at a second application associated with the user. The user may verify that the selected unique identifier is displayed on the second application, and may select the same unique identifier in the second application. Additionally, the user may input a user-specific identifier to confirm their identity. The server may authenticate the user's identity if the user selected matching unique identifiers, and if the user-specific identifier matches an expected identifier for the user.
    Type: Grant
    Filed: October 19, 2017
    Date of Patent: March 17, 2020
    Assignee: salesforce.com, inc.
    Inventors: Prasad Peddada, Taher Elgamal, Gursev Singh Kalra
  • Patent number: 10592482
    Abstract: Method and system for identifying and analysing hidden relationships in application databases is provided. During a database session database query language statements (DQLS) are retrieved from log tables in application databases to analyze and identify join indicators. Join indicators represent data fields from two or more tables which are joined using values common to each data field. Based on identified join indicators, data definition language (DDL) file is generated including relationship between two or more tables. Above steps are repeated until all DQLS in log tables are analyzed. Thereafter it is ascertained if content of created DDL file is defined in database schema (DS). DS is represented in physical data models of application databases. If it is not defined in the database schema, a logical data definition language file is generated based on generated DDL file to update logical data model, which represents hidden relationships between tables in application databases.
    Type: Grant
    Filed: March 24, 2016
    Date of Patent: March 17, 2020
    Assignee: COGNIZANT TECHNOLOGY SOLUTIONS INDIA PVT. LTD.
    Inventors: Gopinath Mandala, Prasad Chand Uppuleti, Bezawada Harshavardhan
  • Patent number: 10593198
    Abstract: A system and method for securing and verifying transmitted traffic data. A transmitter may send a transmission via a radio signal including traffic data through or from hardware installed in a traffic control cabinet adjacent an intersection or other roadway feature of interest. The transmission may be signed with a private key. A receiver associated with a vehicle may receive, in addition to the transmission, a public key (e.g., via a data network) for use in verification of the authenticity of the transmission.
    Type: Grant
    Filed: September 19, 2017
    Date of Patent: March 17, 2020
    Assignee: FLIR COMMERCIAL SYSTEMS, INC.
    Inventors: Daniel Benhammou, Tyler Birgen
  • Patent number: 10587758
    Abstract: A computer-implemented method for routing a call from an electronic device to a target organization. The method is executed by a server coupled to a user profile database, a digital content display, a content item database, and a telephone number repository hosting a default telephone number and a pool of unique numbers. The method comprises receiving an indication of a user identifier associated with the user and determining whether the user profile database comprises data for generating a call enrichment data packet. In response to availability of the data generating the customized digital content item, routing the call to the default telephone number and including the call enrichment data packet. In response to non-availability of data for generating the call enrichment data packet, generating the customized digital content item comprising an indication of an available unique number and routing to an available unique number.
    Type: Grant
    Filed: September 16, 2019
    Date of Patent: March 10, 2020
    Assignee: YANDEX EUROPE AG
    Inventor: Elizaveta Aleksandrovna Alekseenko
  • Patent number: 10586035
    Abstract: An account management server, a communication device and a service device are provided for managing access to an account. The account management server, for example, includes, but is not limited to, a storage device configured to store identifying information for each of a plurality of service devices and configured to store an account associated with each of the plurality of service devices, and a processor communicatively coupled to the storage device, wherein the processor is configured to: receive identifying information from a communication device; identify at least one service device whose stored identifying information matches the received identifying information; and grant management access to the account associated with the identified at least one service device to the communication device.
    Type: Grant
    Filed: July 17, 2017
    Date of Patent: March 10, 2020
    Assignee: Sling Media LLC
    Inventor: David Randolph Eyler