Including Intelligent Token (e.g., Electronic Purse) Patents (Class 705/65)
  • Patent number: 11438324
    Abstract: Aspects of the disclosure relate to a system and method for cryptographically transmitting and storing identity tokens and/or activity data among spatially distributed computing devices. The system may comprise a plurality of chains, such as an identity chain and an activity chain. In some aspects, identity data associated with a user may be used to generate an identity token for the user. The identity token may be transmitted to a plurality of computing devices for verification. Based on a verification of the identity token, the identity token may be stored in the identity chain. A request to perform an activity may also be received, and identity data associated with the user may be received in order to authenticate the user.
    Type: Grant
    Filed: August 5, 2020
    Date of Patent: September 6, 2022
    Assignee: ALLSTATE INSURANCE COMPANY
    Inventors: Howard Hayes, Jason D. Park, John S. Parkinson
  • Patent number: 11416865
    Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.
    Type: Grant
    Filed: June 2, 2020
    Date of Patent: August 16, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Amitabh Awasthi
  • Patent number: 11418318
    Abstract: A portable electronic device is operable as a portable certification authority. The portable electronic device stores a pair of keys of a public key infrastructure, issued by a parent certification authority and generates a certificate dependent upon the pair of keys. The private key and corresponding public key certificate are transmitted to a network device of a second agency to allow the device to be authenticated by any node of the network of the first agency that posses anchor information of the parent certification authority. This enables the device of the second agency to be authenticated by a network node of the first agency.
    Type: Grant
    Filed: August 18, 2006
    Date of Patent: August 16, 2022
    Assignee: MOTOROLA SOLUTIONS, INC.
    Inventors: Donald E. Eastlake, III, Anthony R. Metke
  • Patent number: 11387987
    Abstract: A system for data encryption includes any or all of: a set of items, a set of keys, and a server. A method for data encryption includes any or all of: encrypting items, sharing items, and reading items. The method can optionally additionally or alternatively include any or all of: performing a registration process, creating items, restricting access of users and/or supplementary systems to items, and/or any other suitable processes.
    Type: Grant
    Filed: August 13, 2021
    Date of Patent: July 12, 2022
    Assignee: Ginger.io, Inc.
    Inventors: Joshua Carver, Puneet Thapliyal, Alex Boisvert
  • Patent number: 11385790
    Abstract: A user interface verification device and a method of use is presented for recognizing a three-hand gesture on a touchscreen of the device. The gesture is recognized by detecting a plurality of contact points in at least two, disparate touching zones, and simultaneously detecting additional contact points in a third, disparate touching zone. In one embodiment, the device displays content in a review mode that can be reviewed in a normal manner. In the execution mode, the device requires a signature, a touch, or another sign of acceptance involving a touch within the third touching zone. The device can ensure that a customer directly provides consent by requiring that the two, multi-point touching zones are tactilely engaged by both hands of a presenter while in the execution mode.
    Type: Grant
    Filed: December 2, 2020
    Date of Patent: July 12, 2022
    Assignee: BBY Solutions, Inc.
    Inventor: Jonathan R. Buettner
  • Patent number: 11380139
    Abstract: An identifier is received with a portion of a postal address. That portion is compared against multiple additional postal addresses associated with the identifier. If a match is detected, a confirmation is transmitted to a requestor who originally sent the identifier and the portion of the postal address.
    Type: Grant
    Filed: November 20, 2018
    Date of Patent: July 5, 2022
    Assignee: PayPal, Inc.
    Inventor: Joerg Schleicher
  • Patent number: 11368810
    Abstract: Digital content reconfiguration techniques and systems are described that address physical accommodations. In one example, a physical accommodation module identifies a type of digital content being requested and obtains the digital content. The physical accommodation module also obtains ticket data associated with a user that made the request. The ticket data is then processed by the physical accommodation module to determine a physical accommodation. The determined physical accommodation is then used by the physical accommodation module to reconfigure the digital content, and as such, may dynamically address the physical accommodation, e.g., for mobility, visual, auditory accommodations, whether the user is attending the event with minor children, and so forth.
    Type: Grant
    Filed: October 31, 2018
    Date of Patent: June 21, 2022
    Assignee: StubHub, Inc.
    Inventor: Semirah Dolan
  • Patent number: 11361302
    Abstract: Example embodiments of systems and methods for touch screen interface interaction using a card overlay are provided. In an embodiment, a body may include a first main side and a second main side opposite the first main side, wherein the body is positionable with respect to a touch screen interface. The transaction card may further include indicia on the body, the indicia identifying a plurality of apertures through the body, wherein a user input provided through the plurality of apertures actuates corresponding touch locations on the touch screen interface to authenticate a transaction.
    Type: Grant
    Filed: January 11, 2019
    Date of Patent: June 14, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Kevin Osborn
  • Patent number: 11328280
    Abstract: The disclosure describes a biometric authentication system that can authorize a transaction at a retail store using a person's biometric data and password. The biometric authentication system may include a point-of-sale device that can receive a biometric data (e.g., voice data, fingerprint data, or facial data) of a person that initiates a transaction. The biometric authentication system may also include one or more authentication systems that analyzes the received biometric data, and an authorization system that compares data obtained from the one or more authentication systems and the POS device to determine whether the information obtained from the person is related to that person's biometric and password information previously stored by the authorization system.
    Type: Grant
    Filed: October 11, 2019
    Date of Patent: May 10, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Brian Tougas, Susan Elizabeth Wright, Reynaldo Medina, III
  • Patent number: 11321435
    Abstract: In accordance with a first aspect of the present disclosure, a user authentication system is provided, comprising: a user authentication token, said user authentication token comprising a fingerprint sensor and a secure element; an assistance device configured to be coupled to the user authentication token through an interface of said user authentication token; wherein the assistance device is configured to request the secure element to verify a personal unlock key to be captured by the secure element through the fingerprint sensor; wherein the secure element is configured to capture the personal unlock key through the fingerprint sensor, to verify the captured personal unlock key and to enroll, upon or after a positive verification of the personal unlock key, fingerprint reference data captured through the fingerprint sensor. In accordance with a second aspect of the present disclosure, a corresponding method for enrolling fingerprint reference data in a user authentication token is conceived.
    Type: Grant
    Filed: March 5, 2019
    Date of Patent: May 3, 2022
    Assignee: NXP B.V.
    Inventor: Thomas Suwald
  • Patent number: 11308531
    Abstract: Implementations disclose personalized interruptive dialogs for application rating and sharing. A method includes identifying a first application for which a feedback of a user of a user device is desired; determining by a processing device, whether previous user interactions with one or mole second applications indicate that the user is interested in providing feedback for the one or more second applications; and responsive to determining that the previous user interactions with the one or more second applications indicate that the user is interested in providing the feedback for the one or more second applications, causing the user device to display, to the user, a prompt for the feedback for the first application.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: April 19, 2022
    Assignee: Google LLC
    Inventors: Justin Lewis, Scott Davies
  • Patent number: 11301862
    Abstract: Various embodiments are generally directed to the secure transfer of account tokens between devices. For example, a first device may receive an account token stored on a second device using web Bluetooth application programming interfaces (APIs). As another example, the second device may push the account token to the first device.
    Type: Grant
    Filed: October 4, 2018
    Date of Patent: April 12, 2022
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 11301844
    Abstract: A cryptographic method of performing a tokenised transaction between a payment offering party and a payment accepting party is described. The tokenised transaction is mediated by a transaction scheme. The payment accepting party is provided with a merchant identity and a merchant certificate associated with that identity by the transaction scheme provider. The payment accepting party provides the merchant identity and transaction seed data to the payment offering party. The payment offering party validates the merchant identity and uses the merchant identity and the transaction seed data to generate a cryptogram for the tokenised transaction. The payment offering party provides the cryptogram to the payment accepting party for transmission to the transaction scheme provider for authorisation of the tokenised transaction. A suitable user computing device and merchant computing device for acting as payment offering party and payment accepting party respectively are also described.
    Type: Grant
    Filed: August 11, 2017
    Date of Patent: April 12, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Mehdi Collinge, Alan Johnson
  • Patent number: 11301864
    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: November 13, 2019
    Date of Patent: April 12, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham I. Salama, Lauren Van Heerden
  • Patent number: 11297167
    Abstract: A system designed for increasing network communication speed for users, while lowering network congestion for content owners and ISPs. The system employs network elements including an acceleration server, clients, agents, and peers, where communication requests generated by applications are intercepted by the client on the same machine. The IP address of the server in the communication request is transmitted to the acceleration server, which provides a list of agents to use for this IP address. The communication request is sent to the agents. One or more of the agents respond with a list of peers that have previously seen some or all of the content which is the response to this request (after checking whether this data is still valid).
    Type: Grant
    Filed: September 13, 2020
    Date of Patent: April 5, 2022
    Assignee: BRIGHT DATA LTD.
    Inventors: Derry Shribman, Ofer Vilenski
  • Patent number: 11270297
    Abstract: The present invention relates to payment handling apparatus (10) which is operable to effect payment from a purchaser to a vendor. The payment handling apparatus (10) comprises a purchaser's device running a purchaser program (12) which is operable by the purchaser and a vendor's device running a vendor program (16) which is operable by the vendor. The purchaser's device (12) and the vendor's device (16) are in data communication with each other by way of a communication channel (26). The purchaser program is configured to encrypt a payment message and to convey a payment request to the vendor program by way of the communication channel (26). The payment request comprises the encrypted payment message. The payment handling apparatus is configured to encrypt a confirmation message and to convey a confirmation code to the purchaser program in dependence on receipt of the payment request by the vendor program. The confirmation code comprises the encrypted confirmation message.
    Type: Grant
    Filed: January 31, 2017
    Date of Patent: March 8, 2022
    Assignee: COMCARDE LIMITED
    Inventors: Stuart Jamieson, Keith Symington, Tom Matthews
  • Patent number: 11258847
    Abstract: An embodiment may involve persistent storage containing definitions of a set of queues and a set of servers, and wherein the servers are respectively associated with deactivation times. One or more processors may be configured to: (i) identify, by an assignment engine, an incoming request in a particular queue, wherein the incoming request is ready for assignment to one of the servers; (ii) determine, by the assignment engine and based on data associated with the incoming request, an expected duration for servicing of the incoming request; (iii) calculate, by the assignment engine and based on the deactivation times, times remaining in service for each of the servers; (iv) select, by the assignment engine and from the servers, a particular server that has a time remaining that is greater than the expected duration; and (v) assign, by the assignment engine, the incoming request to the particular server.
    Type: Grant
    Filed: November 2, 2020
    Date of Patent: February 22, 2022
    Assignee: ServiceNow, Inc.
    Inventors: Scott Michael Rhodes, Parul Upadhyaya, Harish Kumar Balachandra Bellamane, Arun Shivaramakrishna, Prithvi Yoganand, Surabhi Seetharam
  • Patent number: 11250404
    Abstract: An authentication factor is received, including an authentication key, an account information of a user, and a dynamic time factor. A bound authentication information is generated by using the authentication factor and a device information of a client device that requested the secure offline payment. The bound authentication information is transmitted to a service server system perform an offline payment authorization based on the bound authentication information. In response to a successful offline payment authorization, a graphical identifier is generated for completing the secure offline payment associated with the authentication factor, where the graphical identifier includes the bound authentication information and a dynamic password generated based on the dynamic time factor.
    Type: Grant
    Filed: November 7, 2017
    Date of Patent: February 15, 2022
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jupeng Xia
  • Patent number: 11227268
    Abstract: Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.
    Type: Grant
    Filed: June 30, 2016
    Date of Patent: January 18, 2022
    Assignee: PAYPAL, INC.
    Inventors: Aravindan Ranganathan, Srivathsan Narasimhan, Srinivasan Rangaraj
  • Patent number: 11216802
    Abstract: A network node that includes at least one processor, at least one memory, and at least one network interface is disclosed. The network node is part of a peer-to-peer network of network nodes implementing a distributed ledger. The network node is communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to receive, from a remotely located computing device, a request to transfer a security token. The at least one processor is also configured to 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.
    Type: Grant
    Filed: August 9, 2019
    Date of Patent: January 4, 2022
    Assignee: tZERO IP, LLC
    Inventors: Scott Overholser, Robert Christensen, Nicole Sanders, Justin Wilson, Robert Valmassoi, Chase Lester, Michael William Stuart Smith
  • Patent number: 11212111
    Abstract: The present invention relates to a method of secure generation by a client device and a server device of an RSA signature of a message to be signed with a private exponent component d of an RSA key (p, q, N, d, e), wherein said client device stores a client device private exponent component dA, a client value, and a client dynamic offset, and said server device stores a server device private exponent component dB, where dB=d?dA modulo phi(N), a server value, a server dynamic offset and a failure counter, comprising: a. receiving from the client device a client part of said RSA signature (HS1) of said message to be signed, after incrementing its client value (pvA) by a first predetermined step E, from the client device private exponent component and from an updated client dynamic offset function of said client dynamic offset and of said client value, b. setting said failure counter to a first default value, c. incrementing said server value (pvB) by a second predetermined step (E?), d.
    Type: Grant
    Filed: December 12, 2017
    Date of Patent: December 28, 2021
    Assignee: THALES DIS FRANCE SA
    Inventors: Alsasian Atmopawiro, Thi Tra Giang Dang
  • Patent number: 11210379
    Abstract: Methods and systems described in this disclosure electronically notarize a document. The system can receive biometric information from a user, extract characteristics from the biometric information, and compare the characteristics of the biometric information with previously stored characteristics of the user's biometric information. When the characteristics of the biometric information match the previously stored characteristics to a threshold, the system can create an identity of the user using the characteristics of the biometric information. The system can send a document to the user for cryptographic signature and receive an indication that the document has been signed. The cryptographic signature can be generated with a digest of the document, the identity, and a cryptographic key associated with the user. The system can inspect the digest of the document, the cryptographic key, and the identity associated with the document to verify authenticity of the document and the identity of the user.
    Type: Grant
    Filed: April 23, 2020
    Date of Patent: December 28, 2021
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: David Lindley, Alexander Benetto Nagelberg, Maland Keith Mortensen, Joseph Gregory Delong, Shantanu K. Tripathy, Zachary T. Golden, Kevin D. Love, Brian Keith Anderson, Kasey T. Moore
  • Patent number: 11206533
    Abstract: According to an example aspect of the present invention, there is provided an apparatus comprising a memory configured to store a first token and a second token, and at least one processing core configured to obtain a first value based at least in part on the first token and the second token, and to cause the apparatus to participate in a security procedure, based at least in part on the first hash, with a second apparatus.
    Type: Grant
    Filed: July 9, 2015
    Date of Patent: December 21, 2021
    Assignee: Nokia Technologies Oy
    Inventors: Teemu Ilmari Savolainen, Jyri Hämäläinen, Markus Isomäki, István Beszteri
  • Patent number: 11195154
    Abstract: Method, device, computer program and apparatus are disclosed for: receiving by a first node from a second node a request for a resource controlled by a first node; and determining by the first node whether the request is authorized; wherein the determining includes: receiving from the second node a cryptocurrency transaction message indicative of a payment; and verifying credibility of the cryptocurrency transaction message.
    Type: Grant
    Filed: March 27, 2014
    Date of Patent: December 7, 2021
    Assignee: Nokia Technologies Oy
    Inventor: Teemu Ilmari Savolainen
  • Patent number: 11184352
    Abstract: The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: November 23, 2021
    Assignee: The Western Union Company
    Inventors: Abhinav Gupta, Shankar Narayan
  • Patent number: 11176527
    Abstract: Automated assistance for an action is requested over a self-service network from a Self-Service Terminal (SST). A first approval is received as a token over the self-service network. The action and the token are sent over a secure network from the SST for a second approval. When the second approval is received over the secure network, the action is processed on the SST.
    Type: Grant
    Filed: April 28, 2015
    Date of Patent: November 16, 2021
    Assignee: NCR Corporation
    Inventor: Wolf Rossmann
  • Patent number: 11176528
    Abstract: Disclosed herein are representative embodiments of methods, apparatus, and systems for facilitating the use and exchange of customized third-party content in a distributed computing environment that allows for third-party hosting. Embodiments of the disclosed technology concern an application store within an application (e.g., an “in-app app store”). The application store can offer downloadable digital content and/or roaming entitlements to a user of the application. Further, in particular embodiments, the downloadable content and/or entitlements are generated by a third party (e.g., a party different than the provider/publisher of the application and the user of the application). Also disclosed are methods and mechanisms for copy-protecting such content.
    Type: Grant
    Filed: January 22, 2020
    Date of Patent: November 16, 2021
    Assignee: Microsoft Technology Licensing, LLC
    Inventors: John M. Thornton, Jason M. Cahill
  • Patent number: 11177679
    Abstract: The present disclosure relates to a wireless-chargeable device and an apparatus for controlling a magnetic field strength of a magnetic field generated by an electromagnet. The wireless-chargeable device includes an electromagnet (102) and a control circuit (104). The control circuit (104) is configured to control a magnetic field strength generated by an electro-magnet for alignment of a power-receiving coil (106) of the wireless-chargeable device with respect to a power-transmitting coil of a wireless power supply device.
    Type: Grant
    Filed: February 21, 2017
    Date of Patent: November 16, 2021
    Assignee: Intel Corporation
    Inventors: Christian Kranz, Markus Hammes, Christoph Schultz
  • Patent number: 11164207
    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: September 1, 2020
    Date of Patent: November 2, 2021
    Inventor: Michelle Fisher
  • Patent number: 11157902
    Abstract: A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer, via a web-enabled device, transmits a request to register a credit card and receives from the merchant server, a credit card registration webpage including a first entry field for entering credit card data, and a second entry field for entering customer data for the credit card. In response to receiving the credit card data, the customer data, and a selection of a submit button, the web-enabled device transmits the credit card data to a token server that stores the credit card data and receives a token from the token server. In response to receiving the token, the web-enabled device transmits the token and the customer data to the merchant server to be stored for processing subsequent credit card payments.
    Type: Grant
    Filed: May 31, 2017
    Date of Patent: October 26, 2021
    Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
    Inventors: Ryan Chambers, Anthony Martin, Dana R. Guild
  • Patent number: 11151556
    Abstract: A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the second mobile device;
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: October 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: William J. Good, Joshua Fields, Mark Smelcer, Amit Patankar, Renee Mirka
  • Patent number: 11144911
    Abstract: Technologies for device commissioning include a rendezvous server to receive, from a buyer device, a request to transfer ownership of a compute device to the buyer device. The rendezvous server verifies the provenance of the compute device based on a block chain and establishes a secure session with the compute device in response to verification of the provenance. The block chain identifies each transaction associated with ownership of the compute device.
    Type: Grant
    Filed: June 20, 2016
    Date of Patent: October 12, 2021
    Assignee: INTEL CORPORATION
    Inventors: Ned M. Smith, David W. Grawrock, Geoffrey H. Cooper
  • Patent number: 11138573
    Abstract: This electronic money transfer system provides an electronic money transfer method and a system for the same which allow handling electronic money in a sense that is very similar to cash, and which allow avoidance of loss of the electronic money even at a time of loss or theft of a terminal for operating the electronic money. To this end, first, information of an electronic certificate for a terminal (A) of a user A is sent from a terminal (B) of a user B to an electronic money management server (300), and information of the electronic certificate for the terminal (B) is sent from the terminal (A) to the electronic money management server (300). Thus, the terminals to perform the transaction are authenticated.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: October 5, 2021
    Assignee: ISI CORPORATION
    Inventor: Motonori Sato
  • Patent number: 11138587
    Abstract: A portable device receives an account information request signal from a merchant machine. The portable device transmits a response message to the merchant machine. The response message comprises the account information for a purchase. The portable device transmits a first message to an account server. The first message comprises a request to get information comprising the purchase amount. The portable device receives a second message comprising the information from the account server. The portable device sends the purchase amount to a display.
    Type: Grant
    Filed: January 15, 2018
    Date of Patent: October 5, 2021
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventor: Esmael Hejazi Dinan
  • Patent number: 11120433
    Abstract: Implementations of the present application provide methods and devices for linking to an account and providing service processing. In one example method, an uncertified server can receive a linking request sent by a terminal device, wherein the linking request corresponds to a user account logged in by a user to the uncertified server. The uncertified service can transmit, to the terminal device, a predetermined instruction based on the linking request, wherein the predetermined instruction instructs the terminal device to send a real service account request to a certified server based on predetermined instruction. The uncertified server can later receive, from the terminal device, a virtual service account identifier generated by the certified server in response to the real service account request sent by the terminal device to the certified server.
    Type: Grant
    Filed: September 14, 2018
    Date of Patent: September 14, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jun Yin
  • Patent number: 11107073
    Abstract: Implementations of the present application provide methods and devices for linking to an account and providing service processing. In one example method, an uncertified server can receive a linking request sent by a terminal device, wherein the linking request corresponds to a user account logged in by a user to the uncertified server. The uncertified service can transmit, to the terminal device, a predetermined instruction based on the linking request, wherein the predetermined instruction instructs the terminal device to send a real service account request to a certified server based on predetermined instruction. The uncertified server can later receive, from the terminal device, a virtual service account identifier generated by the certified server in response to the real service account request sent by the terminal device to the certified server.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: August 31, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Jun Yin
  • Patent number: 11100556
    Abstract: A system is provided that includes a server having a first engine, a second engine, a search word warehouse, and a purchasing engine. The first engine (i) maps topics to product features of products using a topic hotness method which computes a hotness degree of a product on a topic from (a) product identifiers, (b) product features, (c) customer comments, and (d) topics with relevant key words, and (ii) builds a model providing a relevance degree of a topic to a product feature. The model is built based on the hotness degree. The second engine extracts remarkable topics based on product features using a method applied to the relevance degree of the topic to the product feature to identify remarkable topics for each product. The search word warehouse stores the remarkable topics for each product. The purchasing engine conducts purchases of products identified in searches using the remarkable topics.
    Type: Grant
    Filed: November 30, 2018
    Date of Patent: August 24, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Jinfeng Li, Jian Xu, Xiao Fei Sun, Chang Rui Ren, Zhang Li
  • Patent number: 11093936
    Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.
    Type: Grant
    Filed: May 8, 2018
    Date of Patent: August 17, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
  • Patent number: 11080687
    Abstract: A system may include a blockchain network, a trust entity, and multiple user devices. A smart contract of the blockchain network may be configured to receive data from the trust entity and transfer digital stable tokens to a first user's cryptocurrency wallet. The first user may generate a blockchain transaction on the blockchain network in order to transfer some digital stable tokens to a second user. The second user may cash out some of the digital stable tokens via a smart contract of the blockchain network. The smart contract may send an instruction to the trust entity's computing system to transfer fiat currency into a financial account of the second user. A token cross-chain bridge may also facilitate the exchange of cryptocurrency for digital stable tokens.
    Type: Grant
    Filed: July 15, 2020
    Date of Patent: August 3, 2021
    Assignee: BLOCX LLC
    Inventor: Anna Vladi
  • Patent number: 11080685
    Abstract: Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.
    Type: Grant
    Filed: June 12, 2017
    Date of Patent: August 3, 2021
    Assignee: Weils Fargo Bank, N.A.
    Inventor: Joon Maeng
  • Patent number: 11042854
    Abstract: In example embodiments, a system and method for managing the resale of digital media rights is provided. In example embodiments, user accounts that store digital media rights for digital content may be maintained. An indication that a first user having a first user account intends to transfer digital media rights for a particular digital content may is received. A verification process is performed to verify that the digital media rights of the first user are transferable. Based on an indication that a transaction has occurred, the digital media rights are transferred from the first user account to a second user account associated with a second user that is a recipient of the digital media rights.
    Type: Grant
    Filed: January 24, 2013
    Date of Patent: June 22, 2021
    Assignee: OPENTV, INC.
    Inventors: Samir Mehta, Laurent Piron, Gary Susumu Sano
  • Patent number: 11030627
    Abstract: Techniques for secure mobile payment are provided. A credit or gift card is registered for additional security, such that a secure identifier or personal identification number (PIN) is required for use of the credit or gift card. Registration is not required or even known by the third-party payment service associated with the card. Subsequently, when a consumer attempts to use the card and before payment instructions are sent to the corresponding third-party payment service, the secure identifier or PIN is requested and verified. If properly verified, the payment instructions are forwarded for processing by the third-party payment service.
    Type: Grant
    Filed: February 13, 2018
    Date of Patent: June 8, 2021
    Assignee: NCR Corporation
    Inventors: Steven Jarrett Giera, Joel Aaron Miller
  • Patent number: 11030587
    Abstract: A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account.
    Type: Grant
    Filed: April 30, 2014
    Date of Patent: June 8, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Patent number: 11030610
    Abstract: A computer-implemented method includes submitting a preauthorization request for a payment to a payment provider. An authorization code associated with a set of final payment criteria is received from the payment provider, where the final payment criteria comprise at least one of a location restriction, a timeframe restriction, a category restriction, and a seller restriction. The authorization code is saved for later use. The authorization code is presented to a seller terminal as a payment for a sale, where the payment is approved based on confirmation that sale data describing the sale complies with the final payment criteria.
    Type: Grant
    Filed: October 2, 2018
    Date of Patent: June 8, 2021
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Yuk L. Chan, Al Chakra, Jian Jun Wang
  • Patent number: 11023936
    Abstract: Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer. The method may also include determining a customer order for the identified merchant based on the customer preference data. Further, the method may include transmitting a notification to a merchant device associated with the identified merchant, the notification including the determined customer order.
    Type: Grant
    Filed: April 25, 2019
    Date of Patent: June 1, 2021
    Assignee: Capital One Services, LLC
    Inventors: Adam Koeppel, Robert Perry
  • Patent number: 11017405
    Abstract: Regulated crypto-assets, or blockchain tokens, that are regulated as securities (security tokens) can be purchased using a compliance platform through a compliance wallet that allows token purchasers and token sellers to purchase and sell security tokens in a regulatory compliant manner. A rules engine of the compliance platform determines what compliance rules need to be satisfied for a given transaction and guides the token purchasers through a compliance process. Token sellers, upon being presented with a request to purchase tokens on the blockchain, can verify approved transactions on the compliance platform to ensure that the transaction can be compliantly processed.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: May 25, 2021
    Inventors: James Borzilleri, Carlos Garcia Perez, David Nelson
  • Patent number: 11017382
    Abstract: Provided is a payment processing system for executing payment processing by transmitting and receiving payment data between a payment terminal and a payment server via a communication device, the payment terminal not including a dedicated network device for communication with the payment server, the payment data including at least payment amount information and service information to which a payment is to be executed. The payment terminal includes a payment data generation section configured to generate first payment data in which the payment amount information is encrypted, and a terminal communication unit configured to transmit the generated first payment data to the communication device by short range communication.
    Type: Grant
    Filed: February 18, 2013
    Date of Patent: May 25, 2021
    Assignee: SONY CORPORATION
    Inventor: Tomohiko Nagayama
  • Patent number: 11017402
    Abstract: A merchant computer generates a token including a “pay-me” merchant account identifier and transaction data for a transaction conducted by a consumer. The merchant token can be obtained by a mobile communication device and transmitted to a payment processing network along with a device identifier for the mobile communication device and an authentication token provided by the consumer. The payment processing network can authenticate the device using the authentication token, retrieve a consumer account number based on the device identifier, and complete the transaction by pushing money into the merchant “pay-me” account from the consumer account.
    Type: Grant
    Filed: April 3, 2017
    Date of Patent: May 25, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: John F. Sheets
  • Patent number: 11017385
    Abstract: Methods, systems, and apparatus, including computer program products, for online transactions. A web page of an online store includes a payment option that allows a payment application on a user device to pay for the merchandise using card payment information that does not include the account number of the card or require that the account number be shared with the online store merchant.
    Type: Grant
    Filed: April 28, 2015
    Date of Patent: May 25, 2021
    Assignee: NCR Corporation
    Inventor: Jan Fedak
  • Patent number: 11010753
    Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.
    Type: Grant
    Filed: September 25, 2018
    Date of Patent: May 18, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Avinash Kalgi