Including Intelligent Token (e.g., Electronic Purse) Patents (Class 705/65)
  • Patent number: 12260384
    Abstract: According to one exemplary implementation, a system includes a hardware processor and a system memory storing software code, the hardware processor is configured to execute the software code to provide a non-fungible token (NFT) for transfer of a right to the NFT, the NFT minted to include first metadata providing a historical rights record of the NFT, the historical rights record identifying a present owner of the right to the NFT. The hardware processor is further configured to execute the software code to receive transfer data relating to the transfer of the right to the NFT by the present owner to a new owner of the right to the NFT, re-mint the NFT to further include second metadata relating to the transfer data in the historical rights record, the second metadata identifying the new owner, and deliver the re-minted NFT, including the first and second metadata, to the new owner.
    Type: Grant
    Filed: October 3, 2022
    Date of Patent: March 25, 2025
    Assignee: Disney Enterprises, Inc.
    Inventors: Adam D. Eivy, Dionysius Mavromatis, Charles V. Pritchard
  • Patent number: 12259727
    Abstract: Aspects of the disclosure relate to a method of managing a fleet of autonomous vehicles providing trip services. The method includes receiving information identifying an intermediate destination and a final destination for a trip. In this example, the intermediate destination is a destination where an autonomous vehicle will drop off and wait for a passenger in order to continue the trip, and the final destination is a destination where the trip ends. The method also includes determining an amount of waiting time the vehicle is likely to be waiting for the passenger at the intermediate destination, determining how a vehicle of the fleet of autonomous vehicles should spend the amount of waiting time, and sending an instruction to the vehicle, based on the determination of how the vehicle should spend the amount of waiting time.
    Type: Grant
    Filed: June 14, 2023
    Date of Patent: March 25, 2025
    Assignee: Waymo LLC
    Inventors: Cristi Landy, Julien Mercay, Saksiri Tanphaichitr, Laurens Andreas Feenstra, Salil Pandit
  • Patent number: 12254491
    Abstract: A user device of a user is detected to be within a first predefined range of a first wireless apparatus. The first wireless apparatus may be a wireless device operating in a frequency spectrum in a gigahertz range and/or based on a millimeter wave technology. One or more electronic messages are received from at least the first wireless apparatus or a second wireless apparatus that is located outside of the first predefined range of the first wireless apparatus. The second wireless apparatus is communicatively coupled to the first wireless apparatus. The second wireless apparatus may be another wireless device operating in the frequency spectrum in the gigahertz range and/or based on the millimeter wave technology. At least a subset of the one or more electronic messages is presented to the user via the user device. A user interaction is determined with the presented one or more electronic messages.
    Type: Grant
    Filed: January 31, 2022
    Date of Patent: March 18, 2025
    Assignee: PAYPAL, INC.
    Inventors: Clare Patrice Tandy, Maria Mileder, Raquel Buckley
  • Patent number: 12254463
    Abstract: A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.
    Type: Grant
    Filed: August 29, 2019
    Date of Patent: March 18, 2025
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Alan W. Hecht, Sotirios Barkas, Ann M. Kirk, Peter Rozovski, Peter L. Shen, Chate Yap
  • Patent number: 12248934
    Abstract: Embodiments of this disclosure disclose a resource transfer data management method and apparatus, and a storage medium, which belong to the field of Internet technologies. The method includes: receiving transaction data transmitted by a first server, wherein the transaction data is obtained by the first server by signing resource transfer data according to a private key of the first server; verifying the transaction data according to a public key of the first server; and generating a second block according to the transaction data and a feature value of a first block in a blockchain when the verification succeeds, and adding the second block as a next block of the first block to the blockchain.
    Type: Grant
    Filed: November 4, 2020
    Date of Patent: March 11, 2025
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Rui Guo, Maocai Li, Zongyou Wang, Haitao Tu, Li Kong, Kaiban Zhou, Changqing Yang, Nan Wang, Yong Ding, Yifang Shi
  • Patent number: 12248930
    Abstract: Disclosed are various embodiments for automatically updating an authorized variance for a virtual token account. In one example, among others, a computing device is configured to receive an authorization request associated with a virtual token from a merchant system. The transaction request amount is determined to be less than the virtual token balance combined with an authorized variance of the virtual token. The authorization request is authorized based at least in part on the determination that the-transaction request amount is less than the virtual token balance combined with the authorized variance. An authorized variance transaction history is generated based on previous approved transactions and previous declined transactions. The authorized variance for the virtual token is determined to be updated based at least in part on the authorized variance transaction history. The authorized variance of the virtual token is automatically updated.
    Type: Grant
    Filed: October 18, 2022
    Date of Patent: March 11, 2025
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Jeremiah Curry, Vivekanandan Vaithinathan
  • Patent number: 12243038
    Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.
    Type: Grant
    Filed: September 19, 2023
    Date of Patent: March 4, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Locke, Kevin Kelly, David Wurmfeld
  • Patent number: 12231590
    Abstract: Methods and processes for faster and more efficient creation of NFTs while further enhancing the use and transferability of digital assets along with, or in conjunction with, tangible goods and other physical real world assets; methods for securing personal keys that allow for improved security of the physical key while simultaneously providing for transferability of the underlying digital assets; and methods for creation and activation of digital wallets, digital assets, and/or digital asset backed gift cards and the like.
    Type: Grant
    Filed: May 8, 2023
    Date of Patent: February 18, 2025
    Assignee: THE EVEREST PROJECT LLC
    Inventors: Justin Fortuna, Michael Owens, Allen C. Conti
  • Patent number: 12229766
    Abstract: A method of distributing geolocation-influenced digital collectables includes instructing the creation of a plurality of first cryptographic tokens representing digital assets with at least one attribute configured to evolve over time; receiving a request to lock the evolution of the digital asset; receiving an indication of a geolocation of the token holder at the time the request to lock is received; and generating, based at least in part on the geolocation, a second cryptographic token having at least one attribute derived from the evolutionary state of the digital asset defined by the first cryptographic token at the time the request to lock was received.
    Type: Grant
    Filed: February 12, 2024
    Date of Patent: February 18, 2025
    Assignee: NIKE, Inc.
    Inventors: Christopher Andon, Nikhil Gopalani, Chris Le Howard, Samuel Lespes, Benoit Pagotto, Steven Vasilev
  • Patent number: 12223496
    Abstract: A network node in a peer-to-peer network of nodes includes at least one processor, at least one memory, and at least one network interface. The at least one processor is configured to receive a request to transfer a security token and execute a plurality of compliance rules associated with the security token. At least one of the compliance rules is implemented using at least one smart contract. The at least one smart contract references a global registry. The at least one processor is also configured to transfer the security token based on the execution of the compliance rules. The global registry includes personally identifiable information (PII) hash(es) for each of at least one investor associated with the transfer of the security token. The hashes are committed to the distributed ledger and updated when PII of a respective one of the at least one investor changes.
    Type: Grant
    Filed: November 27, 2023
    Date of Patent: February 11, 2025
    Assignee: tZERO IP, LLC
    Inventors: Scott Overholser, Robert Christensen, Nicole Sanders, Justin Wilson, Robert Valmassoi, Chase Lester, Michael William Stuart Smith, Andrew Warner
  • Patent number: 12223499
    Abstract: Methods and systems are presented for providing a token exchange framework that enables exchanges of reward tokens corresponding to different reward systems and/or different merchants. The token exchange framework includes a blockchain for storing transaction data associated with transactions of reward tokens. During the onboarding process, reward systems associated with different merchants may be connected to the blockchain of the token exchange framework via one or more bridges. Reward tokens may be issued to represent reward data corresponding to the different reward systems, and can be freely exchanged within the token exchange framework via the blockchain. When a transaction for redeeming a reward is received, reward tokens in the blockchain can be converted into reward data corresponding to the merchant's reward system and process the transaction with the merchant using the converted reward data.
    Type: Grant
    Filed: June 15, 2023
    Date of Patent: February 11, 2025
    Assignee: Touch Point Worldwide, Inc.
    Inventors: Daniel Kang, Thomas Chen, Jonathan Ko
  • Patent number: 12212696
    Abstract: Embodiments of the present disclosure disclose a file storage method, terminal, and storage medium. The file storage method includes: obtaining a to-be-stored file, performing splitting processing on the to-be-stored file to obtain N sub-files corresponding to the to-be-stored file, wherein N is an integer greater than or equal to 1; sending the N sub-files to an IPFS, and receiving M pieces of address information corresponding to the N sub-files returned by the IPFS, wherein M is an integer greater than or equal to 1 and less than or equal to N; generating an address set corresponding to the to-be-stored file according to the M pieces of address information, and encrypting the address set to obtain an address set ciphertext; sending the address set ciphertext to a blockchain network and receiving a target index value returned by the blockchain network, wherein the target index value is used to identify the address set ciphertext.
    Type: Grant
    Filed: March 4, 2020
    Date of Patent: January 28, 2025
    Assignee: JINGDONG TECHNOLOGY INFORMATION TECHNOLOGY CO., LTD.
    Inventors: Penghui Chai, Gui Fu
  • Patent number: 12198137
    Abstract: A vehicle-to-everything (V2X) communication-based electronic toll collection system (ETCS) according to an embodiment of the present invention includes at least one roadside unit (RSU), a token issuer checking a de-identified token of a vehicle by communicating with an on-board unit (OBU) of the vehicle via the at least one roadside unit, and a clearing house communicating with the token issuer and charging a toll to a driver/owner of the vehicle. The token issuer generates toll information of the vehicle based on the de-identified token of the vehicle and location information of the at least one roadside unit involved in checking the de-identified token.
    Type: Grant
    Filed: November 28, 2022
    Date of Patent: January 14, 2025
    Assignee: Autocrypt Co., Ltd.
    Inventors: Duk Soo Kim, Eui Seok Kim, Sang Gyoo Sim, Ki Ho Joo, Jung Won Lee, Jong Guk Lee, Jung Wook Kim, Sang Seok Lee, Sang Min Lee, Sook Jun Gweon, Hyun Kyung Park
  • Patent number: 12182820
    Abstract: Provided is a system, method, and computer program product for determining a pseudo-identity score in a virtual environment based on a blockchain network. The system includes at least one processor programmed or configured to identify a pseudo-identity in a virtual environment based on a blockchain address on a blockchain network, the pseudo-identity corresponding to the blockchain address, determine an age of the pseudo-identity, determine a measure of activity of the pseudo-identity based on transactions conducted by the pseudo-identity in the virtual environment, determine a pseudo-identity score based at least partially on the age of the pseudo-identity and the measure of activity of the pseudo-identity, and process a request generated by the pseudo-identity in the virtual environment based on the pseudo-identity score.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: December 31, 2024
    Assignee: Visa International Service Association
    Inventor: John Markh
  • Patent number: 12182801
    Abstract: Systems and methods for a digital asset wallet system to generate blockchain wallets using universal wallet libraries and/or modular wallet component(s) to implement first functionality that is universally shared across various blockchain networks. Additionally, network sidecar(s) may be generated for a given blockchain network to implement second functionality specific to the given blockchain network in tandem with the universal wallet libraries and/or modular components. The first functionality of the wallet library map then be mapped to the second functionality specific to the given blockchain network using the network sidecar(s). The digital asset wallet system may then generate a requested wallet based on the mapping between the first functionality of the wallet library and the second functionality of the network sidecar.
    Type: Grant
    Filed: January 4, 2023
    Date of Patent: December 31, 2024
    Assignee: Gemini IP, LLC
    Inventors: Peter Savitsky, Matthew Fors, MD Islam, Brian Andrew KimJohnson, Brad Stachurski, Victor Reventos
  • Patent number: 12175455
    Abstract: One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.
    Type: Grant
    Filed: December 5, 2022
    Date of Patent: December 24, 2024
    Assignee: Shift4 Corporation
    Inventors: Kevin James Cronic, Steven Mark Sommers, John David Oder, II, John David Oder, Steven Calandrelli, Jeremy B. Fried
  • Patent number: 12175429
    Abstract: A computer system is provided that stores reference data records and event data records that each correspond to one of the reference data records. Tokens are generated from the reference data records and sorted into subsets. Each reference data record that has a given token is included in the corresponding subset. A correlation value is calculated between members (e.g., the reference data records) of the subsets. The correlation values are calculated by determining a common time, calculating a reference value, calculating a percentage difference from the reference value, and then determining a correlation value (e.g., a correlation coefficient) using the percentage difference.
    Type: Grant
    Filed: May 22, 2023
    Date of Patent: December 24, 2024
    Assignee: NASDAQ TECHNOLOGY AB
    Inventor: Corentin Plouet
  • Patent number: 12165155
    Abstract: Disclosed are methods and systems for payment card transactions, where a Card Verification Value (CVV) or Card Verification Code (CVC) is generated dynamically as part of a tokenized session.
    Type: Grant
    Filed: October 1, 2023
    Date of Patent: December 10, 2024
    Assignee: RTEKK HOLDINGS LIMITED
    Inventors: Venkatesa Prasannaa Muralidharan, Shanmuhanathan Thiagaraja
  • Patent number: 12165119
    Abstract: A method for integrating real-world items into video games is disclosed. The method includes receiving, by a video game instance, a digital token corresponding to a real-world item from a video game integration system, the digital token being linked with the item and corresponding to an in-game benefit that is provided to an owner of the token. The method also includes facilitating, by the video game instance, a transaction by the user for the item the video game, wherein in response to the user transacting for the item, ownership data of the digital token is updated on a cryptographic ledger to assign ownership of the digital token to the user. The method also includes conferring, by the video game instance, the in-game benefit to the user in the video game and revoking the in-game benefit in response to the digital token no longer being assigned to the user.
    Type: Grant
    Filed: November 10, 2021
    Date of Patent: December 10, 2024
    Assignee: VERONA HOLDINGS SEZC
    Inventors: Jonathan Yantis, William Edward Quigley, Lukasz Jakub Sliwka
  • Patent number: 12165118
    Abstract: A system for integrating real-world items into video games is disclosed. The system is configured to generate a digital token that is cryptographically linked to an item identifier of a real-world item and to write the token to a cryptographic ledger, wherein the token corresponds to an in-game benefit in a video game that is unlocked for an owner of the token. The system includes a video game integration system that receives a request from an instance of the video game, wherein the request is indicative of the user and requests eligible digital tokens owned by the user; accesses the account of the user on the blockchain using a public address of the user to verify that the user is the owner of the digital token; and serves the digital token to the instance of a video game that unlocks the in-game benefit in response to receiving the token.
    Type: Grant
    Filed: November 10, 2021
    Date of Patent: December 10, 2024
    Assignee: VERONA HOLDINGS SEZC
    Inventors: Jonathan Yantis, William Edward Quigley, Lukasz Jakub Sliwka
  • Patent number: 12148000
    Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.
    Type: Grant
    Filed: June 2, 2023
    Date of Patent: November 19, 2024
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • Patent number: 12141822
    Abstract: A method and apparatus for estimating sales across a market with incomplete information taken from one or a plurality of exchanges, is disclosed. Inventory is observed disappearing from the exchanges. There is some probability that the inventory disappeared because it was sold, and some probability that it was withdrawn by the broker for a variety of other reasons. Disappeared inventory is assigned a score that correlates with the likelihood of the listing having been sold. A list of these inferred sales is generated by comparing the score to a threshold. A further refinement removes items from the list should the sold inventory return to the market.
    Type: Grant
    Filed: July 27, 2020
    Date of Patent: November 12, 2024
    Assignee: BROKER GENIUS INC.
    Inventors: Shmuel Sherman, Yiren Li
  • Patent number: 12141793
    Abstract: Systems and methods related to a variable non-fungible token. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.
    Type: Grant
    Filed: June 29, 2022
    Date of Patent: November 12, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Austin Erickson, Christopher Wu, Timur Sherif
  • Patent number: 12131311
    Abstract: In some embodiments, storing mutable user data in a Non-Fungible Token (NFT) may be facilitated. In some embodiments, user specific information for a user may be received. The user specific information may comprise data for a plurality of data fields. A status parameter for each data field of the plurality of data fields may be generated, where the status parameter is related to the accuracy of data for a respective data field. The system may generate, via a blockchain platform service, an NFT comprising the plurality of data fields and the status parameters. The system may then determine whether data associated with a first data field is (i) current based on a first status parameter and (ii) mutable. In response to determining that the data associated with the first data field is (i) not current and (ii) mutable, a first action may be performed.
    Type: Grant
    Filed: December 2, 2022
    Date of Patent: October 29, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joshua McGarity, Lea Cody, Clayton Johnson, Ruby Rue Roman Estremera
  • Patent number: 12099496
    Abstract: A request may be received to access a digital asset uniquely identified by an identifier within an on-demand database system configured to provide computing services to a plurality of entities via the internet. Ownership of the digital asset may be determined based on ownership of a designated smart contract recorded in a public trust ledger. A plurality of related smart contracts recorded in the public trust ledger may be identified. Each of the related smart contracts may be linked with the designated smart contract. Two or more of the smart contracts may each include a respective one or more non-fungible tokens related to the digital asset. A respective state for two or more of a plurality of modifiable values may be determined. Each of the modifiable values may be being stored within a respective one of the plurality of related smart contracts within the public trust ledger.
    Type: Grant
    Filed: August 25, 2021
    Date of Patent: September 24, 2024
    Assignee: Salesforce, Inc.
    Inventor: Prithvi Krishnan Padmanabhan
  • Patent number: 12093350
    Abstract: One variation of a method comprises: a) One variation of a method comprises: detecting a first selection, by a digital media consumer, of a first digital media frame generated for a first digital media asset and presented within a graphical user interface (GUI) of a first web gallery in a locked state; b) deducting a first amount of media credits equal to a first media credit value established for the first digital media asset from a media credit account associated with the digital media consumer; and c) in response to detecting the first selection of the first digital media frame and successfully deducting the first amount of media credits equal to the first media credit value from the media credit account associated with the digital media consumer, unlocking the first digital media frame to provide the digital media consumer with access to the first digital media asset.
    Type: Grant
    Filed: June 3, 2022
    Date of Patent: September 17, 2024
    Inventors: Brian Hardy, John Paul Lawrence
  • Patent number: 12093953
    Abstract: A method of displaying or providing a multi-layer digital asset in a digital environment includes retrieving, from a digital blockchain ledger, data associated with a first, primary non fungible cryptographic token (NFT). The data includes a first pointer identifying a first retrieval location of a first digital graphics file representative of a primary digital asset, and further includes a reference to a second, sub-asset NFT. The sub-asset NFT includes a second pointer that identifies a second digital graphics file. The method further includes retrieving the first digital graphics file and the second digital graphics file, layering an image from the second digital graphics file on the primary digital asset to form the multi-layer digital asset, and displaying the multi-layer digital asset in a digital environment.
    Type: Grant
    Filed: May 8, 2023
    Date of Patent: September 17, 2024
    Assignee: NIKE, Inc.
    Inventors: Christopher Andon, Hien Tommy Pham, David S. Nay
  • Patent number: 12095774
    Abstract: A solution is proposed for controlling usage of computing services. A corresponding method comprises allocating a new usage token to a user in response to a usage entitlement thereof being insufficient to meet a usage weight of a new computing service. The usage entitlement is updated according to the new usage token and the usage weight of the new computing service, and the usage of the new computing service is enabled in response thereto. A computer program and a computer program product for performing the method are also proposed. Moreover, a system for implementing the method is proposed.
    Type: Grant
    Filed: December 11, 2020
    Date of Patent: September 17, 2024
    Assignee: International Business Machines Corporation
    Inventors: Giuseppe Ciano, Alessandro Donatelli, Luigi Pichetti
  • Patent number: 12082069
    Abstract: An electronic system provides various features and functionality for managing resources. A trigger event may be associated with a mobile device. The trigger event may be detected (e.g., based on the mobile device being within a geo-fence) and, responsive to detecting the trigger event, a resource of a plurality of resources may be determined. A stash of the resource of a plurality of stashes of the resource may be determined and the stash of the resource may be replenished based on the trigger event associated with the mobile device.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: September 3, 2024
    Assignee: United Services Automobile Association
    Inventors: Wayne Hartman, Nathan Mahoney, Hoang Trung Vo, Joshua Samuel Leonard, Michal Leighton Van Cleave, Jeffrey Young, Luke James Gradeless, Brandon K. Esplin
  • Patent number: 12073393
    Abstract: A cryptographic scheme associated with a transaction service is received at a first computer system. Subsequent to receiving the cryptographic schema, the first computer system performs a configuration process for a transaction to be performed with the transaction service. The configuration process includes receiving a request for transaction configuration information from a client device. The request includes a cryptographic token generated by a second computer system the transaction service. The first computer system determines whether to grant the request based on analyzing the cryptographic token according to the cryptographic schema. Based on the determining, the first computer system sends transaction configuration information. The configuration process is performed by first computer system independent of communication between the second computer system and the first computer system.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: August 27, 2024
    Assignee: PayPal, Inc.
    Inventors: Joshua Knox, Sandeep Kumar, Kin Kee
  • Patent number: 12073380
    Abstract: A method for activating a portable contactless payment object of the timepiece or piece of jewellery type able to participate in the making of an electronic payment by tokenisation, the method including the following steps: obtaining of a payment token by an electronic device, in particular mobile, coming from a server of a trusted third party providing a payment service by tokens, and configuration of the portable object with a view to use thereof providing a transmission of the token included in the electronic device to the portable object with an activation terminal.
    Type: Grant
    Filed: October 8, 2019
    Date of Patent: August 27, 2024
    Assignee: Swatch AG
    Inventor: Christoph Winkelmann
  • Patent number: 12067440
    Abstract: Systems and methods are provided for decoding secure tags using an authentication server and secure tag reader. The system can include at least one processor and at least one non-transitory memory. The memory can contain instructions that, when executed by the at least one processor, cause the secure tag reader to perform operations. The operations can include detecting a potential secure tag in an image and generating a normalized secure tag image using the image and a stylesheet. The operations can further include providing an identification request to an authentication server, the identification request including the normalized secure tag image. The operations can additionally include receiving rules for decoding tag data encoded into the secure tag as tag feature options and decoding the tag data using the received rules.
    Type: Grant
    Filed: December 13, 2022
    Date of Patent: August 20, 2024
    Assignee: Laava ID Pty Ltd
    Inventors: Iain James McDonald, Patrick Rene Philippe Michel, Anthony Surtees, Morgan Lean
  • Patent number: 12067622
    Abstract: Systems and methods described herein for automated cross-border settlement transactions, the system comprising: a trading platform network coupled to a plurality of settlement solution networks; and an autonomous bot configured to execute a plurality of instructions for: executing a scheduler to convert a plurality of user requirements and system requirements into a target schedule; executing a plurality of settlement transactions via the settlement solutions using the trading platform; determining a differential between the executed settlement transactions and the target schedule; and modifying the execution of future settlement transactions if the differential is greater than a predefined threshold.
    Type: Grant
    Filed: July 31, 2023
    Date of Patent: August 20, 2024
    Assignee: MoneyGram International, Inc.
    Inventor: Bart S. van Hoek
  • Patent number: 12063212
    Abstract: Methods and systems for secure token driven conditional routing of proceeds are described. A request to initiate routing of data between remote systems is received by a server computer system, where the request includes an incomplete set of parameters. A validation challenge and a challenge response defined by a first remote computing system are received, and a token that references the first remote computing system and the incomplete parameter set is generated. A validation may then be performed for a second remote computing system using the validation challenge and the challenge response defined by the first remote computing system. The incomplete set of parameters may then be completed by the second remote computing system when the challenge is validated to enable the routing of data according to the complete set of parameters referenced by the token.
    Type: Grant
    Filed: December 8, 2023
    Date of Patent: August 13, 2024
    Assignee: Stripe, Inc.
    Inventors: Matthew William Janiga, Karen Elizabeth Brinkley, Vincent Michael Cogan, Brian David Krausz
  • Patent number: 12062037
    Abstract: Systems, methods, and storage media for implementing a secure state machine implemented as computer logic in a networked computing environment are disclosed. Exemplary implementations may: generate a public key/private key pair for each of multiple participants respectively; provide a switch parameter for the state machine; specify time parameters for reporting, by an offchain oracle, the value of the switch parameter; and specify terms for reporting, by the offchain oracle, the value of the switch parameter to executable logic recorded on the distributed ledger. The executable logic making payment to pseudonymous wallet addresses associated with the keys in response to a value of the switch parameter received from the off-chain oracle.
    Type: Grant
    Filed: July 2, 2020
    Date of Patent: August 13, 2024
    Assignee: SmartContract Chainlink Limited SEZC
    Inventors: Alex Coventry, Steve Ellis, Ari Juels, Sergey Nazarov, Lorenz Breidenbach
  • Patent number: 12045879
    Abstract: The disclosed technology relates to assessing and securing credit risk using creditworthiness tokens issued in a blockchain network responsive to particular financial events. An exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. An event query may be sent to an oracle device external to the blockchain network. The event query may include the identity. Event data associated with the identity may then be received from the oracle device in response to the event query. A number of creditworthiness tokens is determined based on an application of the allocation parameters to the event data. The determined number of creditworthiness tokens is then allocated to the identity via the first wallet address. Thereafter, the creditworthiness tokens can be transferred or collateralized, e.g., and can represent creditworthiness for the identity across financial institutions.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: July 23, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Samuel Rapowitz, Kevin Osborn, Xiaoguang Zhu
  • Patent number: 12041116
    Abstract: An electronic device is provided. The electronic device includes communication circuitry and a processor operatively connected to the communication circuitry. The processor may transmit, to a first server, at least one file to be transmitted to another electronic device through the communication circuitry, may receive, from the first server, a message body related to the at least one file, may generate a message by adding, to the message body, information related to at least one file function, and may transmit the message to the other electronic device through the communication circuitry.
    Type: Grant
    Filed: April 29, 2022
    Date of Patent: July 16, 2024
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Kyujin Han, Yeungseob Shin
  • Patent number: 12026693
    Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.
    Type: Grant
    Filed: July 14, 2022
    Date of Patent: July 2, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Luke A. Hammock
  • Patent number: 12021990
    Abstract: Disclosed herein is a social media platform profile identification feature. Social media profiles are identified by digital objects instead of or in addition to more traditional indexing methods such as real names or screen names. Associating a digital object as a Social Media avatar, or as a profile detail enables the social media platform to index the digital object and enable users to search for the subject user with the digital object or descriptions thereof. A digital object generator builds unique digital objects based on the user specific input. The unique digital objects are part of a graphic presentation to users.
    Type: Grant
    Filed: March 13, 2022
    Date of Patent: June 25, 2024
    Assignee: EMOJI ID, LLC
    Inventors: Naveen Kumar Jain, Riccardo Paolo Spagni
  • Patent number: 12020247
    Abstract: Techniques and arrangements for capturing payments in cases involving a failed authorization. In some instances, a point-of-sale (POS) device may process a transaction while operating in an offline mode, and then send information regarding the transaction to a remote service after transitioning to an online mode. The remote service may attempt to authorize a payment instrument tendered to satisfy a cost of the transaction. In instances in which the payment instrument is declined, one or multiple payment-capture techniques may be utilized to capture a payment that satisfies at least a portion of the cost of the transaction.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: June 25, 2024
    Assignee: Block, Inc.
    Inventors: Michael Wells White, Paul Botros, Christopher Lang Mocko, Zhimin Ren, Jianliang Zhao
  • Patent number: 12020238
    Abstract: Disclosed is a method, a device, and/or a system of ledger token transfer of a distributed ledger network through cryptographic binding to a transferrable possession token. In one embodiment, a method for rapid and secure ledger-less transfer of a ledger token includes generating a public-private key pair, securely storing the private key and utilizing the public key as a public address. The method verifies a ledger transaction on a distributed ledger network associated the asset with the public address. The method generates a possession token having a state indicated by a state indicator. The state evolves upon transfer between two computing devices. The method cryptographically associates the ledger token and the possession token through incorporation of the public address into data generating the state indicator. The possession token is transferred to a computing device over the network while retaining the private key in secure custody.
    Type: Grant
    Filed: November 24, 2022
    Date of Patent: June 25, 2024
    Assignee: THE ONLI CORPORATION
    Inventors: Dhryl Anton, Michael McFall
  • Patent number: 12008669
    Abstract: A method for utilizing a patent distributed ledger includes a computing device of a computing infrastructure obtaining an indication of potential use of a set of patents by a user computing device and issuing a bilateral licensing request to the user computing device. The method further includes interpreting a request from the user computing device to cause a license of the set of patents for use by the user computing device to produce licensee information and identifying a non-fungible token (NFT) associated with the set of patents. The method further includes establishing agreed license terms and agreed payment terms of a smart contract to produce a new smart contract and causing generation of a new block with the new smart contract for a blockchain of the patent distributed ledger associated with the NFT.
    Type: Grant
    Filed: December 6, 2021
    Date of Patent: June 11, 2024
    Assignee: Caerus Institute LLC
    Inventor: Gary W. Grube
  • Patent number: 12008549
    Abstract: An enhanced federated custodian system is described. One embodiment is directed to a computer system executing instructions to: receive, from one or more members of a federated blockchain on a network of computing devices, an approval for a transaction associated with an authentication capsule; generate, via a first trusted execution environment, a first machine readable code in response to receiving the approval for the transaction; transmit to a cold interaction system, the first machine readable code; and the cold interaction system comprising one or more processors and one or more memories, the one or more memories comprising instructions executable by the one or more processors to: receive the first machine readable code comprising the encrypted information and the approval; decrypt the encrypted information for the transaction and the approval; and generate a private key that corresponds to a public key for the transaction.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: June 11, 2024
    Assignee: Visa International Service Association
    Inventors: Sivanarayana Gaddam, Atul Luykx, Cuy Sheffield
  • Patent number: 11996191
    Abstract: A system includes a remote control device configured to remotely control a device and a safety control device communicating with each other via a wireless connection. The remote control device includes a switch, a motion enable unit configured to generate processed information by processing information using a first secret, and a hand control unit capable of acquiring the processed information only when the switch is in a closed state and configured to transmit the processed information to the safety control device via the wireless connection. The safety control device includes a communication unit configured to receive the processed information via the wireless connection and a safety control unit configured to verify the closed state of the switch by processing the processed information using a second secret that matches the first secret and enable control of the device when the closed state of the switch is verified.
    Type: Grant
    Filed: September 28, 2020
    Date of Patent: May 28, 2024
    Assignee: SHANGHAI UNITED IMAGING HEALTHCARE CO., LTD.
    Inventors: Johannes Stahl, Walter Aguilar
  • Patent number: 11989717
    Abstract: There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: May 21, 2024
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11983703
    Abstract: Disclosed is a method and system, in FIG. 1, for verifying authenticity of specific personal data responsive to a unique wallet address (70) on a public ledger (66) of an unregulated platform (60). The wallet contains one or more non-transferable NFTs each locked to the wallet and related to specific personal data. The non-transferable NFT was minted from a regulated platform (27) to which there is a record (76) in the public ledger. Supplying the unique address of the wallet to a service supplier affects a log-in of a client (18) to the service supplier (90), whereafter message interactions over a network (12) between the service supplier and the unregulated platform (60) permits searching for a relevant (72) non-transferable NFTs (74) stored in the wallet and related to the specific personal data. Return of any relevant non-transferable NFT related to the personal data thus verifies authenticity of the specific personal data by association with a regulated platform.
    Type: Grant
    Filed: January 18, 2023
    Date of Patent: May 14, 2024
    Assignee: Tintra 3.0 Limited
    Inventors: David Peter Smith, Joseph Michael William Lyske
  • Patent number: 11983529
    Abstract: Systems, computer program products, and methods are described herein for detection and recordation of functional code logic components on a distributed development platform. The present invention is configured to retrieve, from a source code repository, a source code script, wherein the source code script is associated with a first user; initiate a machine learning model on the source code script; determine, using the machine learning model, at least one functional code logic component from the source code script; initiate an NFT source code mapping engine on the at least one functional code logic component; generate, using the NFT source code mapping engine, a NFT for the at least one functional code logic component, wherein the NFT comprises the at least one functional code logic component and information associated with the first user; and record the NFT in a distributed ledger.
    Type: Grant
    Filed: January 18, 2022
    Date of Patent: May 14, 2024
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Shailendra Singh, Kamlesh Kanayalal Gangaramani
  • Patent number: 11972447
    Abstract: A computing system can generate data for rendering an interactive graphical user interface, allow a user to input transaction parameters, receive a vehicle identifier associated with an individual, determine that an existing vehicle is at a service location, and provide an indication that the first individual is a qualifying individual and that the existing vehicle is at the service location.
    Type: Grant
    Filed: December 6, 2021
    Date of Patent: April 30, 2024
    Assignee: AutoAlert, LLC
    Inventors: Boyd Hodgson Warner, Jeffrey Stuart Cotton
  • Patent number: 11966916
    Abstract: A second blockchain system receives a first consensus message from a first blockchain system, the first blockchain system includes first nodes that provide services to at least a first account, and the second blockchain system includes second nodes that provide services to at least a second account. The first consensus message indicates a first plurality of the first nodes reaches a consensus for transferring a resource from the first account to the second account. The second blockchain system transfers the resource in the task to the second account. The transferring includes that a node in the second nodes adds the resource to the second account and generates a fourth block that records a completion of a transfer event. A second consensus message is transmitted from the second blockchain system to the first blockchain system in response to a second plurality of the second nodes completing the transfer event.
    Type: Grant
    Filed: February 24, 2023
    Date of Patent: April 23, 2024
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventors: Rui Guo, Maocai Li, Jun Liang, Jianjun Zhang, Zongyou Wang, Haitao Tu, Qi Zhao, Binhua Liu, Dawei Zhu, Qing Qin
  • Patent number: 11949796
    Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.
    Type: Grant
    Filed: October 28, 2022
    Date of Patent: April 2, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Joon Maeng, Ramanathan Ramanathan, Thomas Hayes