Secure Transaction (e.g., Eft/pos) Patents (Class 705/64)
  • Patent number: 11983713
    Abstract: A blockchain transaction privacy protection method includes receiving a transaction request sent by a receiving node device, the request including a plurality of receiving accounts and a total amount receivable, and sending a plurality of transaction sequence numbers and a virtual wallet address corresponding to each of the plurality of transaction sequence numbers to the receiving node device, thereby making the receiving node device send a total amount receivable, the plurality of transaction sequence numbers, and the virtual wallet address corresponding to the plurality of transaction sequence numbers to a granting node device. A total amount receivable and the plurality of transaction sequence numbers sent by the granting node device are received. A transaction amount to each receiving account of the receiving node device according to the total amount receivable and the plurality of transaction sequence numbers are transferred, protecting the amount of the transaction and the parties.
    Type: Grant
    Filed: March 16, 2021
    Date of Patent: May 14, 2024
    Assignee: HON HAI PRECISION INDUSTRY CO., LTD.
    Inventor: Yuhg-Chang Tai
  • Patent number: 11979740
    Abstract: Systems, methods, and apparatus are provided for securing transmission of sensitive data on an LPWAN network such as LoRaWAN. Long-range, low-power transmission may enable a transaction card to communicate with a financial institution server without internet or cellular connectivity. The transaction card may generate a first security key. The key may include a transaction timestamp, a random number generated by the transaction card microprocessor, a personal identifier received at the transaction card from a user, one or more card parameters, and/or any suitable factors. A long-range, low-power network server may detect the card transmission. The server may retrieve the card parameters and personal identifiers stored in association with a user account during card registration. The server may generate a second security key. Based on a match between the first security key and the second security key, the server may authenticate the transmission.
    Type: Grant
    Filed: April 4, 2022
    Date of Patent: May 7, 2024
    Assignee: Bank of America Corporation
    Inventors: Sandeep Kumar Chauhan, Sheetal Bhatia
  • Patent number: 11978049
    Abstract: A computer can monitor network traffic on a blockchain computing network. The computer can determine a current level of network congestion on the blockchain computing network. The computer can execute a first machine learning model that predicts a timeseries of future transaction costs based on historical data and the current level network congestion level of the blockchain computing network. The computer can also execute a second machine learning model to predict a timeseries of future transaction sizes and UTXO types for the distributed ledger-based account based on historical transaction data. The computer can select one or more UTXOs to use to complete the transaction of the transaction request. The computer can append a block instance containing an identification of the selected one or more UTXOs to the blockchain to complete the transaction.
    Type: Grant
    Filed: November 28, 2023
    Date of Patent: May 7, 2024
    Assignee: CITIBANK, N.A.
    Inventors: Boaz Bechar, David Bloch
  • Patent number: 11972399
    Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.
    Type: Grant
    Filed: February 19, 2019
    Date of Patent: April 30, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: John Corwin Hunter, Palka S. Patel, Luciane Sant'Anna, Leticia Pui Sze Lim, Tiffany Ashley Wan, Elizabeth Polanco Aquino, Samer Falah, Sudhir Upadhyay, Tulasi Movva, Suresh Shetty
  • Patent number: 11973742
    Abstract: Systems and methods are disclosed for securely communicating sensitive such as an identifier. A user device may receive a first message comprising a terminal type indicator. For certain values of the terminal type indicator, the user device may be configured to transmit a request message comprising a first identifier and an encrypted identifier. For other values of the terminal type indicator, the user device may be configured to generating an obfuscated identifier based at least in part on a first portion of a second identifier and a second portion of the encrypted identifier. The user device may then transmit a request message that includes the obfuscated identifier and the encrypted identifier.
    Type: Grant
    Filed: October 15, 2018
    Date of Patent: April 30, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Andreas Aabye, Christian Aabye
  • Patent number: 11973881
    Abstract: A method for electronically signing contracts between at least a first and a second parties, the method including a first party accessing second party's website and fills in an on-line form with party personal data which is sent to a second party's server. The method of the inventions solves the problem of signing contracts between two parties, hence the object of the present invention is a computer implemented method that deals with the issue of protection against unauthorised use of data from within the employees of TTP companies and we present a solution in which a TTP company can certify the validity of a contract without having access to its content. In this way, the TTP minimizes the information it has access to and reduces the risks derived from such knowledge, like an eventual data leakage caused by some dishonest TTP employee.
    Type: Grant
    Filed: June 2, 2020
    Date of Patent: April 30, 2024
    Assignee: LLEIDANETWORKS SERVEIS TELEMÀTICS, S.A.
    Inventors: Francisco Jose Sapena Soler, Carolina Sola
  • Patent number: 11972481
    Abstract: An example operation may include one or more of changing a status of a current blockchain to a closed and retired status based on expiration of a limited time window, creating a genesis block associated with a new blockchain, storing a world state of the current blockchain in the genesis block, creating one or more smart contracts, storing the one or more smart contracts on the new blockchain, and initiating an open stage on the new blockchain, and the open stage permits one or more potential blockchain transactions to be written to the new blockchain.
    Type: Grant
    Filed: January 28, 2020
    Date of Patent: April 30, 2024
    Assignee: International Business Machines Corporation
    Inventors: Donald S. Bell, Michael J. Hudson
  • Patent number: 11968247
    Abstract: A system, device, and method for implementing secure control over audio visual (AV) equipment connected to an AV gateway is disclosed. The solution implements secure and remote control over audio visual (AV) equipment included in an AV network by enabling a web browser running on a user device to utilize a web proxy shuttle to communicate control commands to an AV gateway that controls the AV equipment.
    Type: Grant
    Filed: January 20, 2023
    Date of Patent: April 23, 2024
    Assignee: Panduit Corp.
    Inventors: Daniel M. Renne, Justin A. Kennedy, Joseph P. Bologna
  • Patent number: 11957497
    Abstract: A method for processing breast tissue image data includes processing the image data to generate a set of image slices collectively depicting the patient's breast; for each image slice, applying one or more filters associated with a plurality of multi-level feature modules, each configured to represent and recognize an assigned characteristic or feature of a high-dimensional object; generating at each multi-level feature module a feature map depicting regions of the image slice having the assigned feature; combining the feature maps generated from the plurality of multi-level feature modules into a combined image object map indicating a probability that the high-dimensional object is present at a particular location of the image slice; and creating a 2D synthesized image identifying one or more high-dimensional objects based at least in part on object maps generated for a plurality of image slices.
    Type: Grant
    Filed: March 11, 2022
    Date of Patent: April 16, 2024
    Assignee: HOLOGIC, INC
    Inventors: Haili Chui, Liyang Wei, Jun Ge, Xiangwei Zhang, Nikolaos Gkanatsios
  • Patent number: 11961089
    Abstract: Systems, methods, articles of manufacture, and computer-readable media. A web browser of a device may receive selection of a uniform resource locator (URL). An operating system may download an application from an application server based on the URL. The application may identify a plurality of applications installed on the device and select a first institution corresponding to a first application. The application may receive a cryptogram from a contactless card associated with the first institution and transmit the cryptogram to an authentication server. The application may receive an authentication result specifying the authentication server decrypted the cryptogram. The web browser may receive, based on the decryption of the cryptogram, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number. The web browser may provide the account number, expiration date, and CVV to a server associated with the application.
    Type: Grant
    Filed: April 20, 2021
    Date of Patent: April 16, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Bob Uni Koshy, Kevin Osborn
  • Patent number: 11960585
    Abstract: A nonce is sent to a user communication device. Obfuscated biometric data is received from the user communication device. The obfuscated biometric data is generated by an obfuscation process that uses the nonce and first biometric data. The first biometric data is generated from a biometric of a user at the user communication device. For example, the first biometric data may be biometric data from a fingerprint scan. The obfuscation process is reversed by using the first nonce to produce the first biometric data. The first biometric data is compared to known biometric data of the user. In response to the first biometric data being within a threshold of the known biometric data, the user is authenticated.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: April 16, 2024
    Assignee: Micro Focus LLC
    Inventors: Douglas Max Grover, Michael F Angelo
  • Patent number: 11956347
    Abstract: A processor-implemented mobile payment method includes: receiving a one-time pad (OTP) key generated based on a plurality of true random numbers; encrypting a payment token based on the OTP key; and performing a payment based on the encrypted payment token.
    Type: Grant
    Filed: June 17, 2021
    Date of Patent: April 9, 2024
    Assignee: Samsung Electronics Co., Ltd.
    Inventor: John Hongjip Kim
  • Patent number: 11954686
    Abstract: Examples in this application disclose information sharing methods, media, and systems. One example computer-implemented method includes receiving, by a trusted execution environment (TEE), a first sharing request from a first institution and a second sharing request from a second institution, where the first sharing request comprises a user identity of a first user and first anti-money laundering (AML) risk information and the second sharing request comprises a user identity of a second user and second AML risk information, comparing the user identity of the first user with the user identity of the second user, in response to that the user identity of the first user is the same as the user identity of the second user, combining the first AML risk information and the second AML risk information, and sending the combined first AML risk information and second AML risk information to the first institution and the second institution.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: April 9, 2024
    Assignee: Alipay (Hangzhou) Information Technology Co., Ltd.
    Inventors: Xinmin Wang, Renhui Yang, Yuan Chen, Wenyu Yang, Feng Qian, Qianting Guo, Shubo Li
  • Patent number: 11954709
    Abstract: The invention relates to a computer implemented campaign management system (CAMS), the system including a graphical user interface (GUI), the management system (CAMS) processing a plurality of participant records (PREC) according to a user-configured process structure (PS) of a plurality of configured logic templates (CLT); wherein the participant records (PREC) comprise participant attributes (PA), and wherein the processing of participant records involves processing or modification of one or more of the participant attributes (PA) of the participant record (PREC), wherein the management system reads, processes and/or modifies participant attributes (PA) of participant records (PREC) by a sequence of one of more executable program fragments (EPF) according to the process structure (PS) and wherein the execution of one of more executable program fragments (EPF) can be suspended in response to user action (UACT) and/or participant action (PACT) and wherein the execution of the process structure can be resumed
    Type: Grant
    Filed: April 10, 2023
    Date of Patent: April 9, 2024
    Assignee: BSI Business Systems Integration AG
    Inventors: Andreas Bur, Paolo Emilio Andrea Bazzi, Beat Schwarzentrub
  • Patent number: 11949806
    Abstract: A computer that dynamically generates a customized second document is described. During operation, the computer receives information specifying activation of a hosted field in a document associated with a third party, where the information specifies a willingness to receive one or more messages from the computer and specifies a telephone number. In response, the computer dynamically generates the customized second document that includes information about one or more transactions (such as one or more upcoming events) of interest to an individual associated with the telephone number. Then, the computer sends a message to an address corresponding to the telephone number, where the message includes a link to the customized second document. Next, when the computer receives information specifying activation of the link from an electronic device, the computer provides information specifying the customized second document to the electronic device for display on the electronic device.
    Type: Grant
    Filed: October 5, 2023
    Date of Patent: April 2, 2024
    Assignee: iQX Corp.
    Inventors: Sacha Spindler, Andrew Lewin, Aidan Wright
  • Patent number: 11948595
    Abstract: Provided is a method for detecting audio, which includes acquiring audio file data; determining attribute detection data corresponding to the audio file data; and generating a voice detection result corresponding to the audio file data by voice violation detection on the attribute detection data by a fully connected network model. A device for detecting audio and a non-transitory computer-readable storage medium are also provided.
    Type: Grant
    Filed: August 23, 2019
    Date of Patent: April 2, 2024
    Assignee: BIGO TECHNOLOGY PTE. LTD.
    Inventors: Zhen Li, Zhenchuan Huang, Yu Zou
  • Patent number: 11941100
    Abstract: An apparatus verifies hosted information associated with a user. The apparatus establishes, by the online host serving as a relying party system (RPS), a secure connection between the RPS and a user mobile-identification-credential device (UMD). The RPS sends a mobile identification credential (MIC) user information request to the UMD, via the secure connection, seeking release of MIC user information (official information). The RPS obtains from authorizing party system (APS) verification of the MIC user information received in response to the MIC user information request. The RPS stores the MIC user information as hosted information pertaining to the user. The RPS designates the hosted information as base truth information representing the user.
    Type: Grant
    Filed: May 4, 2023
    Date of Patent: March 26, 2024
    Assignee: The Government of the United States of America, represented by the Secretary of Homeland Security
    Inventors: Daniel A. Boyd, Kelli L Biegger, Chang Ellison, Brandon P. Gutierrez, Jason Lim, William Washington
  • Patent number: 11941099
    Abstract: Biometric features are derived from security data associated with a subject. The security data is obtained from a security device. A biometric value is calculated from the biometric features. The biometric value is anonymized to an identifier associated with the subject. The identifier is integrated with event data associated with a security system. In an embodiment, the security device is a Personal Identification Number (PIN) pad integrated into a transaction terminal, the security data is fingerprint data, which is read from a finger of the subject placed on a fingerprint reader integrated into the PIN pad, and the biometric value is a PIN calculated from fingerprint data during a transaction at the transaction terminal. In an embodiment, the security device is a security camera, the security data is a secure video stream, and the biometric features are facial features of the subject in the secure video stream.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: March 26, 2024
    Assignee: NCR Voyix Corporation
    Inventors: Tomasz Kruczek, Tim Gerlach, Lucas Henrique Silva, Bruce McBain, Garrett Paul Schubiner
  • Patent number: 11941008
    Abstract: The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.
    Type: Grant
    Filed: January 3, 2022
    Date of Patent: March 26, 2024
    Assignee: Visa International Service Association
    Inventors: Thomas Purves, Raul Leyva, Alan Johnson, John C. Wang
  • Patent number: 11934351
    Abstract: A method and system for expressive conversion of more expressive metadata to less expressive metadata while maintaining lossless conversion including receiving a request for a second system metadata, retrieving a first system metadata, generating the second system metadata in response to the request for the second system metadata and the first system metadata wherein the second system metadata includes a first subset of the first system metadata, generating a site metadata mapping in response to the second system metadata and the first system metadata wherein the site metadata mapping includes a second subset of the first system metadata not included in the second subset of the first system metadata, storing the site metadata mapping in a memory, and transmitting the second system metadata to a client application.
    Type: Grant
    Filed: January 31, 2020
    Date of Patent: March 19, 2024
    Assignee: Salesforce, Inc.
    Inventors: Zachary Hawtof, Kartik Saxena, Eirik Skogstad
  • Patent number: 11935100
    Abstract: In some implementations, a device may receive an indication of information associated with a stored value medium. The device may populate a database with the information associated with the stored value medium, where the database includes a table to link the information associated with the stored value medium with an entity identifier of an entity associated with the stored value medium. The device may receive an indication of an exchange associated with the entity identifier of the entity, where the exchange is not associated with the stored value medium. The device may parse the database using the entity identifier associated with the entity to identify the information associated with the stored value medium indicated in the database. The device may communicate, with a backend system, to enable the exchange to be at least partially completed using the resources associated with the stored value medium.
    Type: Grant
    Filed: April 27, 2021
    Date of Patent: March 19, 2024
    Assignee: Capital One Services, LLC
    Inventors: Benjamin Yin, Lee Adcock, Nahid Farhady Ghalaty
  • Patent number: 11928687
    Abstract: Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.
    Type: Grant
    Filed: November 11, 2021
    Date of Patent: March 12, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish Kurani, Wayne Barakat, Martin Barrs, Dominik Vltavsky
  • Patent number: 11930119
    Abstract: Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.
    Type: Grant
    Filed: November 15, 2022
    Date of Patent: March 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Clayton Johnson, Esther Scott, Jeffrey Wieker
  • Patent number: 11921801
    Abstract: Provided is a keyword management method of an electronic apparatus. The keyword management method may include confirming a landing page type corresponding to a keyword associated with a search service of another apparatus, checking whether the keyword corresponds to a keyword set, changing the landing page type corresponding to the keyword when the keyword corresponds to the keyword set and the confirmed landing page type is not a landing page type related to the keyword set, and providing information on the changed landing page type to the other apparatus.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: March 5, 2024
    Assignee: Coupang Corp.
    Inventors: Hun Min Ko, Seung Yong Baek, Binna Kim
  • Patent number: 11924709
    Abstract: The invention to provides an improved controller for providing a location-based service to an area, wherein the controller comprises a memory and a transceiver, wherein the controller is configured to: obtain a location of a mobile device associated with a person; obtain sensor data from at least one sensor arranged for monitoring the person in the area when the obtained location of the mobile device is within the area; store the sensor data in the memory; forward, via the transceiver, the stored sensor data to the mobile device when the obtained location of the mobile device is no longer within the area, and subsequently delete the sensor data from the memory. The invention further provides related systems for providing a location-based service to an area and related methods.
    Type: Grant
    Filed: January 3, 2020
    Date of Patent: March 5, 2024
    Assignee: SIGNIFY HOLDING B.V.
    Inventors: Dzmitry Viktorovich Aliakseyeu, Bartel Marinus Van De Sluis, Mustafa Tolga Eren
  • Patent number: 11914547
    Abstract: An optical module configured to control a peer to peer transaction includes a silicon photonics substrate, memory formed on the silicon photonics substrate and configured to store a private key, application circuitry formed on the silicon photonics substrate and coupled to the memory, the application circuitry configured to receive, via an external interface, an electrical signal carrying instructions for executing a transaction, verify the transaction using the private key stored in the memory, and selectively generate a transaction message including information for completing the transaction, and optical communication circuitry formed on the silicon photonics substrate and responsive to the application circuitry, the optical communication circuitry configured to generate an optical signal based on the transaction message and transmit the optical signal to at least one remote entity.
    Type: Grant
    Filed: July 18, 2022
    Date of Patent: February 27, 2024
    Assignee: MARVELL ASIA PTE LTD
    Inventor: Radhakrishnan L. Nagarajan
  • Patent number: 11915196
    Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: February 27, 2024
    Assignee: Capital One Services, LLC
    Inventors: Dinesh Sundaram, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Alex Baird, Rajaboopathy Vijayaraghavan
  • Patent number: 11915213
    Abstract: Systems and methods are provided for processing global CBDC transactions in a blockchain supported network, where domestic and foreign banking institutions may provide mutual hosting of a consortium blockchain to allow more seamless and direct CBDC supported transactions, and CBDC exchanges in real-time or near-real time.
    Type: Grant
    Filed: September 21, 2021
    Date of Patent: February 27, 2024
    Assignee: TraDove, Inc.
    Inventor: Jun Yan
  • Patent number: 11900362
    Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: February 13, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Michelle B. Techel, Peter Ho, Timothy R. Edge, Dorothy M. Scocci, Brenda L. Yost, Kathy Barris Dideum, Cheryl Lynn Wong, Steven E. Puffer, Stephanie S. Hellman, Brian M. Pearce, James D. Crowell, Khyati Soparkar
  • Patent number: 11900379
    Abstract: Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.
    Type: Grant
    Filed: March 28, 2023
    Date of Patent: February 13, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Patent number: 11893572
    Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.
    Type: Grant
    Filed: November 30, 2022
    Date of Patent: February 6, 2024
    Assignee: Worldpay, LLC
    Inventor: Jackson Andrew Unrau
  • Patent number: 11889521
    Abstract: According to an embodiment of the present invention a user equipment (UE) may receive, in a first search space set, first downlink control information (DCI) that schedules a first physical downlink control channel (PDSCH) based on a first transmission configuration index (TCI) value and receive, in a second search space set of the plurality of search space sets, second DCI that schedules a second PDSCH based on a second TCI value. The UE may determine that a transport block (TB) in the second PDSCH is re-transmission of a TB in the first PDSCH, based on that the first DCI and the second DCI indicates a same hybrid automatic repeat request (HARQ) process identifier (ID), and the first DCI and the second DCI indicates a same new data indicator (NDI) value, even if the first TCI value associated with the first PDSCH is different from the second TCI value associated with the second PDSCH.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: January 30, 2024
    Assignee: LG Electronics Inc.
    Inventors: Youngdae Lee, Jiwon Kang, Seonwook Kim, Joonkui Ahn, Suckchel Yang
  • Patent number: 11880815
    Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.
    Type: Grant
    Filed: July 6, 2022
    Date of Patent: January 23, 2024
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Barbara Patterson
  • Patent number: 11868476
    Abstract: Some embodiments may facilitate boot-specific key access to perform cryptographic operations. A first boot record and a second boot record may be generated independently in response to a request to boot a virtual device. The first and second boot records may be compared and in response to a match between the first boot record and the second boot record, an identify certificate may be obtained. Authorization to access and use a key for cryptographic operations may be obtained in response to a verification of the identity certificate by a cryptographic processor.
    Type: Grant
    Filed: June 10, 2021
    Date of Patent: January 9, 2024
    Assignee: HYPORI, INC.
    Inventors: Brian J. Vetter, Phani Achanta, Mohammad Salman Dhedhi, Muhammad Irfan Azam, Terrimane Shon Pritchett
  • Patent number: 11869010
    Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.
    Type: Grant
    Filed: December 12, 2022
    Date of Patent: January 9, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Tiffany N. Twilley, Michael Tilaro, Jonathan E. Hoveland, Sara V. Althoff, Jay M. Bozicevich
  • Patent number: 11869004
    Abstract: Embodiments include systems and techniques to perform secure transactions including processing registration information for each computing device of a plurality of computing devices having authority over a financial account. In one example, embodiments include receiving a pending transaction against the financial account from a computing device. Embodiments include executing an authentication protocol to determine the computing device is a member of the plurality of computing devices based upon the registration information, and processing data identifying another computing device within a configurable distance from the computing device. Embodiments further include the system to execute the authentication protocol to determine the other computing device is a member of the plurality of computing devices based upon the registration information and bypass a portion of a security procedure for authorizing execution of the pending transaction.
    Type: Grant
    Filed: May 1, 2020
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vincent Pham, Austin Grant Walters, Anh Truong
  • Patent number: 11861589
    Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: January 2, 2024
    Assignee: Block, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Lev Kusman, Gokhan Aydeniz, Yasser Zabuair, Jesse Wilson, Shawn Zurbrigg, Murat Cat
  • Patent number: 11854097
    Abstract: In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.
    Type: Grant
    Filed: January 29, 2021
    Date of Patent: December 26, 2023
    Assignee: Wayne Fueling Systems LLC
    Inventors: John Joseph Morris, Scott R. Negley, III, Annika Birkler, Richard Carlsson, Patrick Jeitler, Randal S. Kretzler
  • Patent number: 11854107
    Abstract: A computer-implemented method includes acquiring information regarding the user and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process associated with the provider computing system.
    Type: Grant
    Filed: November 28, 2022
    Date of Patent: December 26, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Daina DeBeaune, Chirstiane Evans, Bryan Kroll, Jill Bagalso McNulty, Gary Schilling, Paul Vittimberga
  • Patent number: 11853959
    Abstract: Embodiments are disclosed to determine customer's prescription information and their position while waiting in a drive-thru lane. The drive-thru lane may have one or more transmitters installed at predetermined locations. By utilizing an application installed on each customer's mobile computing device, each mobile computing device may transmit customer information and ranging data when within range of one or more of the transmitters. The ranging data may include an indication of a range between each of the customer's mobile computing device and one or more proximate transmitters. By correlating the customer information to prescription information from recently filled and/or called in prescriptions, each customer's prescription order may be retrieved. Furthermore, by analyzing the ranging data, the position of each customer in the drive-thru lane may be determined.
    Type: Grant
    Filed: August 26, 2020
    Date of Patent: December 26, 2023
    Assignee: WALGREEN CO.
    Inventors: Benjamin Weiss, Nicholas L. Eby
  • Patent number: 11854050
    Abstract: Systems and methods are provided which allow for the management of multiple beacons using a network-connected primary beacon in communication with the multiple beacons. The primary beacon may be in communication with the other beacons in the network using a low power wireless technology, such as Bluetooth® low energy (BLE). The primary beacon may receive updates and content from a server over a network to which the primary beacon is in communication, and then send the received updates and content to the other beacons. Moreover, the other beacons may periodically provide updates or collect information and provide this information to the primary beacon, which can then send the updates or collected information to the server for storage and/or analysis.
    Type: Grant
    Filed: July 28, 2022
    Date of Patent: December 26, 2023
    Assignee: PAYPAL, INC.
    Inventors: Geoffrey W. Chatterton, John Hastings Granbery
  • Patent number: 11854011
    Abstract: Techniques are described for using an identity management system. One of the methods includes providing access to a decentralized identity management system to a user. The method includes storing user identity information on the decentralized identity management system. The method includes enabling one or more other users to store reputation information associated with the user identity. The method also includes using the reputation information in a transaction with the user.
    Type: Grant
    Filed: July 11, 2017
    Date of Patent: December 26, 2023
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bharat Prasad, Minya Liang, Snehal Desai
  • Patent number: 11848941
    Abstract: A method is provided for collecting diagnostic information in a device having a rich execution environment (REE) and a secure element (SE). The method includes detecting initialization of the device. If it is determined that the initialization of the device was a result of a potential security related event, a communication component of the REE responsible for communicating with the secure element is activated if not already activated. The secure element sends a request to the communication component for diagnostic information related to the security event. The diagnostic information is received in the SE from the communication component and stored in an attack log for storing security events. An attack log is generated in the secure element including the potential security event and the related diagnostic information. The attack log and the related diagnostic information is communicated to a secure server via a secure channel.
    Type: Grant
    Filed: September 2, 2020
    Date of Patent: December 19, 2023
    Assignee: NXP B.V.
    Inventors: Kunyan Liu, Viral Madhukar Shah
  • Patent number: 11847099
    Abstract: The subject technology may be implemented by a device that includes at least one processor configured to encrypt a data object based at least in part on an encryption key. The at least one processor may be further configured to sign the encrypted data object with a private key and transmit the signed encrypted data object to a server for retrieval by another device. The at least one processor may be further configured to generate a sharing object corresponding to the data object, wherein the sharing object includes an encryption key and a public key that corresponds to the private key. The at least one processor may be further configured to encrypt the sharing object using a key of the other device and transmit, over a secure channel, the encrypted sharing object to the other device for subsequent retrieval and verification of the signed data object from the server.
    Type: Grant
    Filed: November 22, 2021
    Date of Patent: December 19, 2023
    Assignee: Apple Inc.
    Inventors: Per Love Hornquist Astrand, Van Hong, Nihar Sharma, Xixi Lu, Steven A. Myers, Michelle D. Linington, Yannick L. Sierra
  • Patent number: 11841973
    Abstract: A method disclosed herein may include receiving, at a first computing system, encrypted identifiers and encrypted values, performing, by the first computing system, a concealing operation on the encrypted identifiers to produce concealed encrypted identifiers, wherein the concealing operation conceals the encrypted identifiers from the first computing system and a second computing system but enables matching between the concealed encrypted identifiers, decrypting, by the second computing system, the concealed encrypted identifiers to produce concealed identifiers, and performing, by the second computing system, an aggregation operation using the concealed identifiers and the encrypted values to produce an encrypted aggregate value without accessing personally identifiable information associated with the encrypted values.
    Type: Grant
    Filed: August 24, 2020
    Date of Patent: December 12, 2023
    Assignee: GOOGLE LLC
    Inventors: Karn Seth, Sarvar Patel, Mariana Raykova, Srinivasan Seshadri, Margo Narayan, Philip McDonnell, Amin Charaniya
  • Patent number: 11838324
    Abstract: Disclosed herein are systems and methods that allow for secure access to websites and web-based applications and other resources available through the browser. Also described are systems and methods for invocation of a secure web container which may display data representative of a requesting party's application at a user's machine. The secure web container is invoked upon receipt of an API call from the requesting party. Thus, described in the present specification are systems and methods for constructing and destroying private, secure, browsing environments (a secure disposable web container), insulating the user and requesting parties from the threats associated with being online for the purposes of providing secure, policy-based interaction with a requesting party's online services.
    Type: Grant
    Filed: June 21, 2021
    Date of Patent: December 5, 2023
    Assignee: Authentic8, Inc.
    Inventors: Ramesh Rajagopal, Scott M. Petry, James K. Tosh, Peter K. Lund, Fredric L. Cox, Adam P. Moore
  • Patent number: 11830001
    Abstract: A blockchain consensus method includes: an accounting node generating a block and broadcasting verification information of the accounting node to other accounting nodes among N accounting nodes; receiving and verifying acknowledgement information broadcast by the other accounting nodes; and adding the block to a blockchain when the received acknowledgement information satisfies a second set condition. The N accounting nodes are determined according to coin age information carried in election requests broadcast by M election nodes.
    Type: Grant
    Filed: January 25, 2019
    Date of Patent: November 28, 2023
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Zhangyong Wei, Li Wang, Kunbiao Lu
  • Patent number: 11829987
    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: July 19, 2022
    Date of Patent: November 28, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Akshat Gupta, Ricardo Pareja
  • Patent number: 11823180
    Abstract: Systems, methods and computer-readable storage media utilized to track a plurality of assets on a distributed ledger network. One method includes receiving, by an asset issuer computing device, a request to track a specific asset on the distributed ledger network. The method further includes determining, by the asset issuer computing device, an asset type associated with the specific asset. The method further includes generating, by the asset issuer computing device, a unique identifier identifying the specific asset. The method further includes generating, by the asset issuer computing device, a unique tracking identifier, the unique tracking identifier including a subset of identifiers, the subset of identifiers including an asset issuer identifier, an asset type identifier, and the unique identifier.
    Type: Grant
    Filed: May 20, 2020
    Date of Patent: November 21, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Duc M. Trinh
  • Patent number: 11816226
    Abstract: A request to train a neural-network model is received, as are a first offer to supply encrypted training data and a second offer to train the model. After determining that the offers satisfy the request, a model provider told to train the model. If they model performs in accordance with a quality metric, it is sent to a model user.
    Type: Grant
    Filed: March 22, 2019
    Date of Patent: November 14, 2023
    Assignee: Via Science, Inc.
    Inventors: Jesús Alejandro Cárdenes Cabré, Jeremy Taylor, Colin Gounden