Including Intelligent Token (e.g., Electronic Purse) Patents (Class 705/65)
  • Patent number: 10692069
    Abstract: A method for providing a gift includes receiving gift information comprising data indicative of a gift type, a maximum gift amount, a gift recipient, and a first financial account from a first computing device associated with a gifter and via a software application. The first financial account being associated with the gifter and the gift recipient having preregistered user account with the software application. The method includes identifying one or more recipient financial accounts associated with the gift recipient including at least a second financial account. The method includes identifying a gift-eligible transaction that is associated with the second financial account by monitoring transaction data associated with the one or more recipient financial accounts. The method includes transmitting a gift notification to a second computing device and outputting an instruction to initiate a transfer of a gift amount from the first financial account to the second financial account.
    Type: Grant
    Filed: July 24, 2019
    Date of Patent: June 23, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
  • Patent number: 10692076
    Abstract: Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer.
    Type: Grant
    Filed: January 23, 2018
    Date of Patent: June 23, 2020
    Assignee: Visa International Service Association
    Inventor: Mark Carlson
  • Patent number: 10671717
    Abstract: A communication device includes: a first subscriber identification unit that stores first subscriber identification unit identification information associated with user identification information; and a communication unit that communicates with another communication device, the other communication device including a second subscriber identification unit that stores second subscriber identification unit identification information associated with user identification information.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: June 2, 2020
    Assignee: KDDI CORPORATION
    Inventors: Keisuke Takemori, Takamasa Isohara, Yoshiyuki Shibata, Kei Katou, Teruaki Honma
  • Patent number: 10666444
    Abstract: A method is provided for controlling exchange of privacy sensitive data between a first certified party server (A) associated with a first party and at least a second certified party server (B) associated with a second party using a certified intermediate server (Y) subject to authorizations (XAB) imposed by an authorizing party (X), using a public network. Therein the first certified party server (A) transmits (S2) to the certified intermediate server (Y) a primary request (ARQ(IxA,?xA)) that includes a digitally signed primary request indication (IXA,?XA) comprising a primary request indication (IXA) specifying a set of privacy sensitive data units (XA) for which a copy (CXA) is requested and a digital signature (?XA) of said first party, associated with said primary request indication (IXA).
    Type: Grant
    Filed: November 11, 2016
    Date of Patent: May 26, 2020
    Assignee: Consumer Health Entrepreneurs B.V.
    Inventor: Sven Berkvens-Matthijsse
  • Patent number: 10664923
    Abstract: Disclosed is a method for providing fraud protection and transaction tracing for gift card accounts through use of a public blockchain ledger. Digital gift cards are associated with tokens which are passed between user accounts. The users do not obtain direct access to the debit codes assigned to the gift cards and are instead provided with variable authentication codes for use in merchant purchases. The variable authentication code is used by a merchant to obtain a reference to an actual debit code held by a web server. Numerous types of transactions are published to the blockchain ledger including initial purchases, reserving/claiming of debit codes, transfers of tokens between accounts, and depleting of gift card value associated with a token. Transactions published to the blockchain occur substantially simultaneously with a merchant purchase such that users may look up gift card values at any time to be assured each gift card is valid.
    Type: Grant
    Filed: March 13, 2015
    Date of Patent: May 26, 2020
    Inventors: Vinodan K. Lingham, Mark Levitt, Krisan Ramesh Nichani, Guillaume P. Lebleu
  • Patent number: 10614466
    Abstract: Method for managing on-line commercial transactions between a user and a seller of goods/services that interact through respective data processing systems communicating through a data network. The method includes: upon receipt, from a computer system of an institute issuing payment cards, of a request of transaction with debit on the payment card of the user coming from the seller of goods/services, having the computer system of the institute issuing the payment cards preliminarily requesting a confirmation of the transaction to the buyer through a mobile telephony terminal of the buyer, and, in case the confirmation of the transaction is received, having the computer system of the institute issuing the payment cards processing the transaction, whereas in case the confirmation of the transaction is denied, not processing the transaction and informing the seller.
    Type: Grant
    Filed: December 30, 2010
    Date of Patent: April 7, 2020
    Assignee: Telecom Italia S.p.A.
    Inventors: Michele Palermo, Andrea Leggeri
  • Patent number: 10608997
    Abstract: The current document describes systems and methods that provide access controls in a system of interconnected services such as an online service platform. In various implementations, the system maintains contextual information associated with tokenized data. In additional implementations, data brokers authorize access to detokenized data by comparing the context of the data to the context of the service requesting the data. In yet additional implementations, the system maintains contextual information associated with requests that are processed within the system. When a request is made to a particular service, the particular service can use the identity of the requester, the context of the request, and the context of the data to determine whether the request is authorized. In some implementations, the integrity of contextual information is protected using a digital signature.
    Type: Grant
    Filed: June 25, 2015
    Date of Patent: March 31, 2020
    Assignee: Amazon Technologies, Inc.
    Inventors: Tushaar Sethi, Jon Arron McClintock
  • Patent number: 10602336
    Abstract: An electronic device is provided. The electronic device includes a secure element (SE) comprising circuitry and including an applet configured to provide a service using near field communication (NFC), an NFC circuit configured to provide NFC with a first external electronic device, a memory, and a processor electrically connected with the NFC circuit and the memory. The NFC circuit includes a monitoring circuit configured to analyze a first signal received from the applet. The monitoring circuit is configured to deliver a second signal corresponding to processing completion for a specified function included in the service, based on a result of analyzing the first signal.
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: March 24, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Yi Yang, Myeonghwan Nam
  • Patent number: 10592888
    Abstract: A computer-implemented system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: March 17, 2020
    Assignee: WELLS FARGO BANK, N.A.
    Inventors: Stephen M. Ellis, Michael J. Kennedy, Ashish Bhoopen Kurani, Melissa Lowry, Uma Meyyappan, Bipin Sahni, Nikolai Stroke
  • Patent number: 10592909
    Abstract: An apparatus, system, and method are disclosed for a universal tracking system. A token module is configured to create a universal tracking token without requiring a user to provide any prerequisites. The universal tracking token is associated with a user by a unique identifier. A user account module is configured to store data associated with a user. The user data includes data associated with one or more universal tracking tokens. The user account is defined as either a merchant or key holder account. Further, a relationship module is configured to maintain a one-to-many relationship between the user account and a plurality of either merchant or key holder accounts. Relationship data is also collected and stored in a database.
    Type: Grant
    Filed: October 12, 2012
    Date of Patent: March 17, 2020
    Assignee: Saverkey International, Inc.
    Inventor: Alan W. Fink
  • Patent number: 10592881
    Abstract: A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.
    Type: Grant
    Filed: February 21, 2014
    Date of Patent: March 17, 2020
    Assignee: SECUREDPAY SOLUTIONS, INC.
    Inventors: John M. Johnson, Roy T. Nelson, Christopher D. Faircloth, Lance Larsen
  • Patent number: 10586058
    Abstract: In one example, a method includes defining a token protocol, creating, based on the token protocol, a set of tokens, each of the tokens being associated with data of an encrypted dataset, where the tokens exclude positional information regarding the data with which they are associated, encrypting the tokens, and creating an encrypted search index that includes the encrypted tokens.
    Type: Grant
    Filed: September 27, 2018
    Date of Patent: March 10, 2020
    Assignee: EMC IP HOLDING COMPANY LLC
    Inventor: Ray David Whitmer
  • Patent number: 10582386
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: March 3, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 10579999
    Abstract: The present disclosure relates to systems, methods, and devices for network payment tokenization for processing payment transactions. In particular, the message system allows a consumer to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying a payment authorization number associated with a user account and sending a request for a payment token to a card network system associated with the payment authorization number. One or more embodiments receive a network payment token representing the payment authorization number and a single-use cryptogram corresponding to the payment transaction. Additionally, one or more embodiments generate and send a payment transaction initiation message including the network payment token and single-use cryptogram to the merchant for processing the payment transaction.
    Type: Grant
    Filed: March 14, 2016
    Date of Patent: March 3, 2020
    Assignee: Facebook, Inc.
    Inventors: Anand Subbarayan, Namrata H. Ganatra, Vipan Reddy Raja Nalla
  • Patent number: 10565573
    Abstract: In one embodiment, the location or zip code of purchasers in a card present electronic transaction may be reviewed and compared to the reported location or zip code of a merchant. If the difference or variance from the customer zip code or location to the customer location or zip code is over a threshold, the merchant is indicating as requiring additional attention.
    Type: Grant
    Filed: May 10, 2016
    Date of Patent: February 18, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Alexei Fomitchev, Aleksander Epelman, Nelli Kayton, Suresh Pulikara, Mahesh Joshi, John Wu, Xiaoxu Lu
  • Patent number: 10552826
    Abstract: A card includes a secure element hosting a plurality of applications, at least one external interface and a user interface having user-selectable modes. Each mode is associated with multiple applications. A store at the secure element holds response data for responding to the external card reader and correspondence data. The response data includes data about the applications hosted by the card and the correspondence data indicates, for each mode, a correspondence between the mode and the response data to be sent for that mode. The card allows a user to select one of the plurality of modes for use when the card next communicates with the external reader. The card stores a mode indicator indicative of a mode selected by the user at the user interface and stores a usage indicator indicative of whether the card has communicated with an external reader since the mode indicator was stored.
    Type: Grant
    Filed: April 21, 2017
    Date of Patent: February 4, 2020
    Assignee: IDEMIA France
    Inventors: Yann-Loïc Aubin, Christophe Courtois, Gilles Leseigneur
  • Patent number: 10546292
    Abstract: Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.
    Type: Grant
    Filed: October 3, 2016
    Date of Patent: January 28, 2020
    Assignee: Worldpay, LLC
    Inventor: Stefan K. Karaivanov
  • Patent number: 10540515
    Abstract: System and computer readable media embodiments of enhanced and flexible login and profile management tools as well as brand owner communication tools are provided which provide more flexibility in regards to information sharing that benefit both users and brand owners and ease the integration of user information into brand owner databases. System and computer readable media embodiments are also provided for an end user to control both how and who uses her personal data. Specifically, these embodiments permit her to authorize which pieces of personal data may be used by particular actors to perform particular tasks. In addition, these embodiments allow the tasks to be performed while simultaneously limiting the number of actor(s)/servers/devices in possession of her personal data.
    Type: Grant
    Filed: June 2, 2016
    Date of Patent: January 21, 2020
    Assignee: AutoGraph, Inc.
    Inventor: Brian Roundtree
  • Patent number: 10540619
    Abstract: An example system includes at least one hardware processor and memory storing program code to receive a request for a customized pastry order, identify a retailer to fulfill the customized pastry order, identify retailer resource information identifying customizable elements and capacity information available from the retailer, identify, available from the retailer, pastry types including a with-graphic type or a without-graphic type, receive user selection of a particular pastry type, if the particular pastry type identifies a with-graphic type, then present for user selection one or more customizable elements available from the retailer, the one or more customizable elements being based on the retailer resource information and on the particular pastry type, receive user selections, each user selection identifying at least one particular option, obtain an image for presentation on the at least one customizable pastry, and initiate the customized pastry order based on the user selections and on the image.
    Type: Grant
    Filed: October 31, 2017
    Date of Patent: January 21, 2020
    Assignee: ARYZTA, LLC
    Inventors: Darryl Craig Castle, Deborah Ann Cochrane, Nicholas Alexander Wojcicki
  • Patent number: 10524127
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.
    Type: Grant
    Filed: March 12, 2019
    Date of Patent: December 31, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
  • Patent number: 10515370
    Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.
    Type: Grant
    Filed: September 16, 2014
    Date of Patent: December 24, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham I. Salama, Lauren Van Heerden
  • Patent number: 10515356
    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: July 12, 2013
    Date of Patent: December 24, 2019
    Assignee: Shift4 Corporation
    Inventors: Kevin James Cronic, Steven Mark Sommers, John David Oder, II, John David Oder, Steven Calandrelli, Jeremy B. Fried
  • Patent number: 10511583
    Abstract: A portable communication device may include a mobile application executing in an application execution environment and a secure application executing in a trusted execution environment. The secure application may receive, from the mobile application, a storage request to store sensitive data. The storage request may include an encrypted data type identifier and an encrypted sensitive data. The secure application may decrypt the encrypted data type identifier and the encrypted sensitive data using a transport key, and re-encrypt the sensitive data using a storage key. The re-encrypted sensitive data can then be stored in a memory of the portable communication device which is outside the trusted execution environment.
    Type: Grant
    Filed: October 19, 2018
    Date of Patent: December 17, 2019
    Assignee: Visa International Service Association
    Inventors: Sergey Smirnoff, Soumendra Bhattacharya
  • Patent number: 10482457
    Abstract: A system and method for enhanced token-based payments. The system and method including software and hardware to receive, via a network, a request for authorization; create, in response to the request, a dynamic payment packet (DPP) for payment; transmit, via a network, the DPP; receive, via a network, an authorization request, the DPP, and a transaction ID; receive at least one additional data element relating to the customer involved in the transaction and the transaction itself; and transmit, via a network, the transaction ID, an authorization response, and token.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: November 19, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Thomas S. Poole, Janusz Michael Niczyporuk, Paul Young Moreton
  • Patent number: 10476974
    Abstract: Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: November 12, 2019
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Alicia C. Jones-McFadden, Suma Nagappa Kumaraswamy, Matthew Hsieh, Scott R. Enscoe, Elizabeth Ann Miller, Alicia Anli Salvino, Daniel Shilov, Michael Anderson, Raghav Anand
  • Patent number: 10475007
    Abstract: There are provided systems and methods for tokenized data having split payment instruction for multiple accounts in a chain transaction. A user may provide a payment to a merchant that sells one or more items to the user. In order to sell items, the merchant may utilize a partner service that provides resources for the merchant to sell the items, such as an online marketplace. The partner service may require a payment for each transaction by the merchant using the partner service. Thus, when a payment request is generated to the merchant for items sold to the user, the partner service may attach to the payment request and provide a split payment request for a split payment from the payment request. The payment between the user and merchant may be processed, and a separate transaction may provide the split payment automatically to the partner service from the merchant.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: November 12, 2019
    Assignee: PAYPAL, INC.
    Inventors: Alex Miyamoto, Gorka Sanchez
  • Patent number: 10477597
    Abstract: A communication apparatus reads a two-dimensional code displayed by an external apparatus, and then stores in a clipboard a security key, which is included in the read two-dimensional code, for connecting to an access point.
    Type: Grant
    Filed: March 17, 2017
    Date of Patent: November 12, 2019
    Assignee: Canon Kabushiki Kaisha
    Inventor: Hiroki Kawasaki
  • Patent number: 10454779
    Abstract: The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.
    Type: Grant
    Filed: August 26, 2016
    Date of Patent: October 22, 2019
    Assignee: PayPal, Inc.
    Inventors: Srivathsan Narasimhan, Premkumar Alagarsamy, Avik Chatterjee
  • Patent number: 10423965
    Abstract: A payment processor or network receives an incoming PAN pursuant to a payment card transaction between a merchant and a customer and translates the PAN into a token having a token value for N digits within a middle portion of the PAN, while preserving a PAN value for M digits within a terminal portion of the PAN. Pursuant to generation of the token, the payment processor or network performs BIN substitution on the PAN to replace the BIN within the PAN with a different BIN. The payment processor or network sends the token downstream for downstream processing of the transaction. Upon completion of downstream processing, the payment processor or network translates the token back into a PAN for any further processing of the transaction upstream.
    Type: Grant
    Filed: November 8, 2016
    Date of Patent: September 24, 2019
    Assignee: MUFG Union Bank, N.A.
    Inventor: Branden R. Williams
  • Patent number: 10412536
    Abstract: A kiosk system is described that may have multilevel displays and multiple network antennas. Upper level displays may be non-touch and a lower level display may include a touch display. The upper level displays may be affixed to a body of the kiosk using brackets. The kiosk may include first and second network interfaces. The first network interface may be provided to enable user terminals local to the kiosk to wirelessly access network resources via the kiosk system. The second network interface may enable the kiosk to access a remote system. The kiosk may be equipped with a camera, microphone, and/or a speaker.
    Type: Grant
    Filed: August 30, 2017
    Date of Patent: September 10, 2019
    Assignee: Minutepros.com Corp.
    Inventor: Gershon Gabel
  • Patent number: 10402818
    Abstract: A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer.
    Type: Grant
    Filed: December 28, 2016
    Date of Patent: September 3, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, Theodore Markson, Adam Koeppel, Kevin Kelly, Brian Briggman, Saleem Sangi, David Wurmfeld, Tyler Locke, Karla Escalante
  • Patent number: 10348718
    Abstract: A system and method for facilitating sharing of credentials and other secret data in a networked computing environment. An example embodiment provides for access to data of an external data source by a software application, wherein the external data source requires use of credentials to allow access to the data, but where the credentials themselves are not to be supplied to the software application. An example method includes storing the credentials in a secure data store; providing a token to the application, the token associated with the credentials and with an indication of the external data source; transferring the token from the application to a secure connector; using the secure connector and the token to retrieve the credentials from the secure data store to the secure connector; using the secure connector and the credentials to request data from the external data source to the secure connector before transfer of the requested data to the application via the secure connector.
    Type: Grant
    Filed: March 29, 2017
    Date of Patent: July 9, 2019
    Assignee: Oracle International Corporation
    Inventor: Dhiraj D. Thakkar
  • Patent number: 10298590
    Abstract: The present disclosure discloses an application-based service providing method, apparatus, and system. The method includes: acquiring an application identifier of a currently running application; and searching a preset application-service relationship table for a service list corresponding to the application identifier, so as to provide a user of the application with a service in the service list, where the application-service relationship table includes a correspondence between an application identifier and a service list, and the service list includes at least one service. The service providing method in the embodiments decouples a third-party service from an application, and even if the application needs version update, the third-party service also does not need to depend on the version update of the application.
    Type: Grant
    Filed: June 29, 2016
    Date of Patent: May 21, 2019
    Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
    Inventor: Jun Zhang
  • Patent number: 10296947
    Abstract: The current application is directed to methods and systems that provide an information market in which information producers sell information, advertisers purchase consumption of advertisements, and information consumers purchase information from information producers and receive compensation from advertisers through automated and semi-automated information-market transactions. The information market provides a transaction-based marketplace for the provision and consumption of information in much the same way as various types of financial markets provide a marketplace for cost-effective exchange of goods and services. The transaction-based information market provides flexibility and control to both information providers and information consumers as well as the cost efficiency of a transaction-based information marketplace.
    Type: Grant
    Filed: December 10, 2012
    Date of Patent: May 21, 2019
    Inventor: Douglas R. Cloud
  • Patent number: 10270587
    Abstract: Methods and systems for performing electronic transactions involve receiving, using a processor coupled to memory, from a mobile application on a user's mobile device processor, a transaction message consisting at least in part of the user's account information obtained by the mobile application reading user account information encoded on a token of the user that is physically distinct from the mobile device processor and a transaction request for the user. Using the processor, the user's account information is verified and a transaction confirmation message is generated and sent to the mobile application on the user's mobile device processor.
    Type: Grant
    Filed: May 14, 2012
    Date of Patent: April 23, 2019
    Assignee: CITIGROUP TECHNOLOGY, INC.
    Inventor: Frank L. Wu
  • Patent number: 10257171
    Abstract: A method of ensuring the identity of a first processing device to a second processing device allows for secure network communication between the devices. A network resource address including an encoded trusted identifier in a portion of the address excluding the host name of the first processing device are provided to a second processing device by a trusted distribution mechanism. The trusted identifier is derived from a public key of the first processing device. Communication is initiated with the first processing device at the network resource address and a public key purporting to identify the first processing device is received in response to initiating the communication. The trusted identifier is compared to a transformation of at least a portion of the public key to determine a match between the identifier and the transformation. If the trusted identifier and the transformation match, the identity of the first processing device is verified.
    Type: Grant
    Filed: September 4, 2015
    Date of Patent: April 9, 2019
    Assignee: CA, Inc.
    Inventors: Mike Arnold Lyons, Vincent Chan, Richard Jason Refuerzo Raquepo
  • Patent number: 10229289
    Abstract: In systems and methods of generating an authenticated document biosignature, a processor of a verification device may calculate a base verification score associated with a user based on at least one identification input, the identification input comprising one or more identification features, a feature validity rating of each identification feature, a source where the one or more identification feature are received, and a source validity rating, wherein at least one of the identification features includes a biometric identification feature. The processor of the verification device may generate a glyph based on the base verification score and the identification input. The glyph may be associated with a document, and may be used to verify the identity of the user associated with the glyph.
    Type: Grant
    Filed: April 10, 2017
    Date of Patent: March 12, 2019
    Assignee: CERTIFY GLOBAL INC.
    Inventors: Marc Potash, Preetham Gowda
  • Patent number: 10210508
    Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
    Type: Grant
    Filed: October 14, 2016
    Date of Patent: February 19, 2019
    Assignee: Visa U.S.A. Inc.
    Inventors: Ayman Hammad, Brian Triplett, Philip B. Dixon
  • Patent number: 10187363
    Abstract: A portable communication device may include a mobile application executing in an application execution environment and a secure application executing in a trusted execution environment. The secure application may receive, from the mobile application, a storage request to store sensitive data. The storage request may include an encrypted data type identifier and an encrypted sensitive data. The secure application may decrypt the encrypted data type identifier and the encrypted sensitive data using a transport key, and re-encrypt the sensitive data using a storage key. The re-encrypted sensitive data can then be stored in a memory of the portable communication device which is outside the trusted execution environment.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: January 22, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Sergey Smirnoff, Soumendra Bhattacharya
  • Patent number: 10185919
    Abstract: The utility of a portable consumer device is extended by allowing account holders the ability to gain entry into access-controlled venues using a portable consumer device that is associated with an account that was used to purchase the admission or tickets to the event at the access-controlled venue. Merchandise or other goods and services may be pre-purchased by the consumer. Pre-purchasing may occur at the time that the price of admission is paid or before entry into the venue. The portable consumer device may be validated at the entrance to the access-controlled venue. After the consumer's entry into the venue, an arrival notification alert may be triggered to provide additional goods or services. For example, when a consumer successfully enters the venue using the consumer portable device, the pre-purchased items may be delivered to the consumer location at a specific time.
    Type: Grant
    Filed: November 30, 2012
    Date of Patent: January 22, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Lori Van Deloo, Zack Fuerstenberg
  • Patent number: 10182350
    Abstract: Systems and methods for providing secured network access are provided. A user device located within range of a branded hotspot initiates a request for the secured network access. The request concerns secured network access at the hotspot by the user device and includes a unique pre-shared key. A query regarding the unique pre-shared key is sent to a database, which retrieves information regarding a corresponding pre-shared key. That information is sent to the hotspot controller, which allows the user device secured network access as governed by one or more parameters associated with the pre-shared key.
    Type: Grant
    Filed: April 21, 2015
    Date of Patent: January 15, 2019
    Assignee: ARRIS Enterprises LLC
    Inventors: Ming-Jye Sheu, Prashant Ranade
  • Patent number: 10176314
    Abstract: Described herein is a system for utilizing an embedded NFC chip in a rubber stamp for authenticating and verifying documents through a 2FA process that is connected to a cloud platform comprising a secure element operably connected to the NFC baseband; and a unique authentication id stored in the secured element.
    Type: Grant
    Filed: September 23, 2015
    Date of Patent: January 8, 2019
    Assignee: VERTICAL SOFTWARE ASIA PTE LTD
    Inventors: Kian Hwa Goh, Chun Wei Shaun Tan
  • Patent number: 10122534
    Abstract: A system that incorporates the subject disclosure may perform, for example, operations including receiving an encrypted secure token from a secure token application function that is remote from the communication device, storing the encrypted secure token in a secure element memory of the secure element, accessing user input requesting the encrypted secure token where the secure device processor is separate from the secure element and is in communication with the secure element, generating a modified secure token by adding identification information to the encrypted secure token and by performing a second encryption of the encrypted secure token with the identification information, receiving the modified secure token from the secure element, and providing the modified secure token to a receiving device. Other embodiments are disclosed.
    Type: Grant
    Filed: July 11, 2016
    Date of Patent: November 6, 2018
    Assignees: AT&T Intellectual Property I, L.P., AT&T Mobility II LLC
    Inventors: Walter Cooper Chastain, Stephen Emille Chin, Samuel King, Michael Suozzo, Nicholas Vondrak, Ismaila Wane
  • Patent number: 10055608
    Abstract: Systems and methods provide for data management and governance to enforce proper usage of combined data formed from different pieces of data. Data governance metadata identifying authentication states for the individual pieces of data are combined to tag the combined data with new data governance metadata indicating the cumulative authentication states. Similarly, data governance metadata identifying standard contractual considerations for the individual pieces of data are combined to tag the combined data with new data governance metadata indicating the cumulative standard contractual considerations. An extent to which the combined data can be used to identify and/or contact a person is determined, and data governance metadata is tagged to the combined data identifying the extent to which the data can be used to identify and/or contact the person.
    Type: Grant
    Filed: April 26, 2016
    Date of Patent: August 21, 2018
    Assignee: Adobe Systems Incorporated
    Inventors: Christine Elaine Drost-Hansen, Christopher Reid Error, Philip John Grieshaber
  • Patent number: 10037420
    Abstract: A system for conducting transactions without a debit card or credit card may receive a request to complete a transaction including authentication data associated with a transaction account and a captured biometric template. The transaction request may lack information contained on a typical debit card or credit card. The system may identify the transaction account using the authentication data associated with the transaction account. The transaction account may be associated with a stored biometric template stored in a biometric data store. The system may also compare the stored biometric template with the captured biometric template. In response to the stored biometric template conflicting with the captured biometric template, the system may decline the transaction.
    Type: Grant
    Filed: May 17, 2017
    Date of Patent: July 31, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COPMANY, INC.
    Inventors: Wael Ibrahim, Upendra Mardikar
  • Patent number: 10031691
    Abstract: Methods and apparatuses for maintaining data integrity in deduplicated storage environments. A processor receives a request to write a first block of data to a storage device. A processor compares the first block of data to a second block of data, wherein the second block is stored on the storage device. A processor writes the first block of data to the storage device based, at least in part, on the first block of data matching the second block of data and an amount of pointers to the second block of data being above a predetermined amount.
    Type: Grant
    Filed: September 25, 2014
    Date of Patent: July 24, 2018
    Assignee: International Business Machines Corporation
    Inventors: Thomas K. Doerk, Itzhack Goldberg, Thorsten Muehge, Erik Rueger, Neil Sondhi
  • Patent number: 10021088
    Abstract: Methods and systems for faster and more efficient smart card logon and for giving a client device full domain access in a remote computing environment are described herein. Fast smart card logon may be used to reduce latency and improve security. For example, the system may reduce the number of operations (e.g., interactions) between a server device used for authentication and the client device. These operations may include fetching a user certificate from the smart card or signing data. Fast smart card logon may also improve security by optionally avoiding PIN (or other credential) transmission over networks, and to enable single sign on from an authentication event (e.g., Secure Sockets Layer (SSL) or Transport Layer Security (TLS) authentication) using a smart card to the domain logon without resorting to PIN caching.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: July 10, 2018
    Assignee: Citrix Systems, Inc.
    Inventors: Andrew Innes, Chris Mayers, Hubert Divoux
  • Patent number: 9978094
    Abstract: A method for providing a token revocation list is disclosed. The method includes maintaining a status for each of a plurality of tokens in a token revocation database. Token validation requests are received, and the statuses of payment tokens can be determined. Response messages with the statuses of the payment tokens are then sent to token status requesters so that they may make decisions on whether or not to use them to process transactions.
    Type: Grant
    Filed: October 10, 2014
    Date of Patent: May 22, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ajit Gaddam, Selim Aissi, Sekhar Nagasundaram
  • Patent number: 9965749
    Abstract: Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one or more financial accounts of a merchant. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. The type of transfer method can be based on the type of financial account. Example types of transfers include Automated Clearing House (ACH) transfers and intrabank transfers.
    Type: Grant
    Filed: February 25, 2014
    Date of Patent: May 8, 2018
    Assignee: Vantiv, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey
  • Patent number: 9953319
    Abstract: A method of making a payment in which payment data is received by a user's terminal from a point-of-sale terminal, a secret of a payment application is received by the terminal from the operator's server system, a trust card is activated in the user's terminal by utilizing said secret of the payment application, and data of the trust card is transmitted from the user's terminal to the point-of-sale terminal for making the payment transaction. A trust card is created in the server system, data of the trust card is transmitted to the terminal to be used for making the payment transaction, the secret of the payment application is formed in the server system, and access to the secret of the payment application is provided to the terminal for activating the trust card for making the payment transaction.
    Type: Grant
    Filed: September 28, 2012
    Date of Patent: April 24, 2018
    Assignee: Unito Oy
    Inventors: Simo Salminen, Tuomo Kajava