Including Intelligent Token (e.g., Electronic Purse) Patents (Class 705/65)
  • 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: 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: 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: 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: 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: 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: 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: 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: 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
  • Patent number: 11010759
    Abstract: A system, computer-readable storage medium and method provide a secure transaction by receiving, from a mobile wallet a request to assign a vendor specific payment account identifier (VSPAI) to a payment account identifier (PAI) associated with a user of the mobile wallet. Identifying information is verified of: (i) an issuer of the PAI, (ii) a specific vendor; and (iii) the user of the mobile wallet. In response to verifying, a unique VSPAI is created that is associated with the PAI of the user and the specific vendor. Then, when a payment request is received including the unique VSPAI for a transaction with a particular vendor, the particular vendor is verified as the specific vendor associated with the unique VSPAI. In response to verifying that the particular vendor, payment of the transaction by the issuer using the PAI associated with the unique VSPAI is facilitated.
    Type: Grant
    Filed: September 11, 2018
    Date of Patent: May 18, 2021
    Assignee: WELLS FARGO BANK, N.A.
    Inventor: Joon Maeng
  • Patent number: 11005855
    Abstract: A system that incorporates the subject disclosure may perform, for example, receive secret information and non-secret information from a secure download application function, provide a request for a first verification to a secure element where the first verification is associated with access to content and/or an application that is accessible via the secure download application function, receive the first verification which is generated by the secure element based on the secret information without providing the secret information to the secure device processor, receive the non-secret information from the secure element, and generate a second verification for the access based on the non-secret information, where the content and/or application is accessible from the secure download application function responsive to the first and second verifications. Other embodiments are disclosed.
    Type: Grant
    Filed: June 24, 2019
    Date of Patent: May 11, 2021
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Walter Cooper Chastain, Stephen Emille Chin
  • Patent number: 10997602
    Abstract: The technology relates to a method for creating a payment data structure called a payment container. The technology also relates to the use of such a payment container by means of a processing server. The method for creating is implemented by a communications terminal, and comprises: selection, by a user and via a man-machine interface, of at least one attribute of said container, comprising the selection of at least one attribute value for at least one of the following parameters: (a) category of beneficiary of the payment container and (b) beneficiary of the payment container. The method also comprises obtaining, by the communications terminal, of at least one piece of data representing a user's bank card; validation, by the user, of the creation of the payment container; and transmission, by said communications terminal, of said payment container to a payment container processing server.
    Type: Grant
    Filed: July 4, 2016
    Date of Patent: May 4, 2021
    Assignee: INGENICO GROUP
    Inventors: Pierre Quentin, Vincent Ducrohet, Michel Leger
  • Patent number: 10997185
    Abstract: Disclosed is an information query method and apparatus. The method includes: obtaining a query word input by a user through a terminal, identifying a target entity in the query word and determining a globally unique identifier (GUID) of the target entity for a knowledge map; determining a target entity type corresponding to the target entity according to a corresponding relationship between an entity and the entity type. The target entity type is used to indicate the target attribute and/or target entity relationship to be queried of the target entity; according to the GUID and an identifier of the target attribute and/or an identifier of the target entity relationship, querying an attribute value and/or a related entity corresponding to the identity of the target attribute and/or an identifier of the target entity relationship in the knowledge map; returning a search result to the terminal.
    Type: Grant
    Filed: July 13, 2018
    Date of Patent: May 4, 2021
    Assignee: ALIBABA GROUP HOLDING LIMITED
    Inventors: Liang Dong, Haifeng Jia, Nengwei Hua, Huachun Ma, Canhui Ge
  • Patent number: 10990982
    Abstract: An approach is provided for authenticating a payment card. Information is read from the payment card being used for a purchase. The information includes an identifier and data on a chip, in braille cells, and in markings in the payment card. A hash read from the chip, the identifier, and security codes derived from the braille cells and the markings are sent to a payment system. A hash of an (n+1)-th block of a blockchain is received and recorded in the chip in response to validations of the hash as matching a hash of an n-th block of the blockchain, the identifier, and the first and second security codes, and a generation of the hash of the (n+1)-th block. Data about the purchase and the hash of the (n+1)-th block are sent to the payment system.
    Type: Grant
    Filed: November 27, 2017
    Date of Patent: April 27, 2021
    Assignee: International Business Machines Corporation
    Inventors: Edgar A. Zamora Duran, Franz F. Liebinger Portela, Roxana Monge Nunez, Sheyla V. Vargas
  • Patent number: 10984417
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for blockchain-based data synchronization are provided. One of the methods includes: receiving, a transaction order created based on a transaction record; storing, the transaction order in association with the blockchain upon confirming the transaction order; receiving, a payment order created based on a payment record; storing, the payment order in association with the blockchain upon confirming the payment order; receiving, a fund transfer corresponding to the payment order; verifying, an amount of the fund transfer is consistent with the amount paid by the payer to the payee through the payment node; performing, a split-settlement operation on the payee based on the amount paid by the payer to the payee through the payment node; creating, a split-settlement record based on the split-settlement operation; and uploading, the split-settlement record for confirmation by the transaction node and the payment node.
    Type: Grant
    Filed: May 18, 2020
    Date of Patent: April 20, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Shiyu Wang
  • Patent number: 10984223
    Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for a biometric authentication system. In one aspect, a method includes broadcasting, through a transceiver, a signal that includes a kiosk identifier; receiving, from a server system, a reference image of the user based on a mobile computing device associated with the user having received the signal and providing the kiosk identifier to the server system; capturing, with a camera, an image of the user; and authenticating the user based on a comparison of the captured image of the user to the reference image of the user based on a comparison of the captured image of the user to the reference image of the user.
    Type: Grant
    Filed: February 20, 2020
    Date of Patent: April 20, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventors: Gregory Lee Storm, David Norman Wagner, Reza R. Derakhshani, Mark Nuetzman, Ike Ellis
  • Patent number: 10970697
    Abstract: Systems and methods for processing transactions using a digital payment platform.
    Type: Grant
    Filed: December 12, 2019
    Date of Patent: April 6, 2021
    Assignee: Poynt Co.
    Inventors: Osama Bedier, Ray Tanaka, Victor Chau, Charles Feng, Cheng Han Lee, Lubab Al-Khawaja
  • Patent number: 10972189
    Abstract: Multiple bit values can be encoded on a single photon in a quantum key distribution (QKD) system using a plurality of sidebands of an optical carrier frequency. Computational and conjugate bases can be defined, and photons decoded based on a selected state from either basis. If n sidebands are available, as many as log2n bits can be encoded on a single photon. Errors in detected bit values due to selection of an incorrect basis state or other errors can be at least partially corrected by bit distillation to identity bit strings for which a transmitter and a receiver record the same values, without insecure transmission of these values.
    Type: Grant
    Filed: January 21, 2020
    Date of Patent: April 6, 2021
    Assignee: Triad National Security, LLC
    Inventors: Jane E. Nordholt, Richard J. Hughes, Raymond T. Newell, Charles G. Peterson, Rolando D. Somma
  • Patent number: 10970712
    Abstract: Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.
    Type: Grant
    Filed: March 21, 2019
    Date of Patent: April 6, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Walter A. Miller
  • Patent number: 10965682
    Abstract: Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.
    Type: Grant
    Filed: April 19, 2017
    Date of Patent: March 30, 2021
    Assignee: Capital One Services, LLC.
    Inventors: Paul Moreton, Lawrence Douglas, Thomas Poole, Thomas Christopher Clarke, Saejin Choi
  • Patent number: 10953765
    Abstract: Embodiments of a method and/or system for charging one or more electric vehicles (e.g., based on one or more reserved charging sessions; for charging an electric vehicle during a scheduled time period; etc.) can include: receiving a reservation request (e.g., a reservation request including one or more reservation parameters; etc.); scheduling a reserved charging session based on the reservation request (e.g., based on reservation parameters from the reservation request; etc.); determining a check in at an Electric Vehicle Service Equipment (EVSE) for the reserved charging session; and/or causing the EVSE to charge the electric vehicle based on the reserved charging session (e.g., during the scheduled time period; etc.).
    Type: Grant
    Filed: April 8, 2020
    Date of Patent: March 23, 2021
    Inventors: Thomas Shaofeng Sun, Timotej Gavrilovic, Thai Vinh Loc Nguyen
  • Patent number: 10959093
    Abstract: A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. The authentication code may include access data to be provisioned, in encrypted form. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.
    Type: Grant
    Filed: November 6, 2015
    Date of Patent: March 23, 2021
    Assignee: Visa International Service Association
    Inventors: Glenn Powell, John F. Sheets, Kim R. Wagner
  • Patent number: 10931662
    Abstract: Methods, non-transitory computer readable media, network traffic management apparatuses, and network traffic management systems that receive a directory service authentication request from an application. The directory service authentication request comprising a first password. The first password is compared to a stored second password received from a previously-authenticated client to determine when there is a match. A positive authentication result is returned to the application in response to the directory service authentication request, when the determining indicates that there is a match. This technology advantageously facilitates client certificate authentication for applications that only support password-based login.
    Type: Grant
    Filed: November 6, 2017
    Date of Patent: February 23, 2021
    Assignee: F5 NETWORKS, INC.
    Inventor: William Church
  • Patent number: 10931684
    Abstract: A data processing method may include: determining, by a transaction initiation node in a blockchain, transaction data of a transaction and information to be hidden in the transaction data; obtaining, by using the transaction data as an input of a predetermined one-way function, a transaction root of the transaction, and constructing, based on the transaction root, proof data corresponding to the information to be hidden; and, after signing the transaction root, initiating a transaction request to write the transaction root and the proof data on the blockchain, for a node in the blockchain to perform consensus verification on the transaction root and the proof data, and approve or reject the transaction request based on a verification result.
    Type: Grant
    Filed: February 3, 2020
    Date of Patent: February 23, 2021
    Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
    Inventor: Husen Wang
  • Patent number: 10922772
    Abstract: Embodiments of the present disclosure disclose a copyright authorization management method and system. The method includes: obtaining owner-of-copyright information; sending a contract determining notification to a corresponding owner-of-copyright client based on the owner-of-copyright information, where the contract determining notification carries copyright-related information of a to-be-authorized work; receiving transaction information returned by the owner-of-copyright client, where the transaction information includes contract information determined by an owner of copyright based on the copyright-related information; obtaining a valid contract transaction based on the transaction information, where the valid contract transaction includes signatures satisfying a preset-quantity rule; and implementing persistence of the valid contract transaction in a block chain.
    Type: Grant
    Filed: August 13, 2018
    Date of Patent: February 16, 2021
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Yixin Chen, Junrong Wen, Pu Zhang, Deqian Liu
  • Patent number: 10915897
    Abstract: Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.
    Type: Grant
    Filed: June 13, 2018
    Date of Patent: February 9, 2021
    Assignee: Clover Network, Inc.
    Inventors: John Daniel Beatty, Brian Jeremiah Murray, Nilendu Misra, Nicholas Posner
  • Patent number: 10915871
    Abstract: Systems and methods are provided for transferring settlement funds received into a pooled settlement account of an acquirer processor account to one of 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: April 3, 2018
    Date of Patent: February 9, 2021
    Assignee: Worldpay, LLC
    Inventors: Thomas E. Rafferty, Bryan T. Bailey
  • Patent number: 10911243
    Abstract: Various embodiments relate to a method performed by a processor of a computing system. An example method includes receiving, by a computing system, an event. The event is associated with a digital signature in a first time-based message. The event signals a change to a property of the digital signature. The first time-based message includes a first trusted time stamp token from a timing authority. The first trusted time stamp token is generated using a first hash of digitally signed content, the digitally signed content generated by digitally signing content. The first time-based message is retrieved. A second hash of the first trusted time stamp token is generated. The second hash is transmitted to a timing authority. A second trusted time stamp token is received from the trusted timing authority in response to transmitting the second hash. A second time-based message is generated including the second trusted time stamp token.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: February 2, 2021
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Patent number: 10902418
    Abstract: A communication device may receive input from a user and initiate generation of an interaction token in response. This interaction token can be used by the communication device in order search for a specific resource provider computer from among one or more resource provider computers, and to initiate a resource transfer between the user and a specific resource provider, mediated by a token provider computer.
    Type: Grant
    Filed: May 2, 2017
    Date of Patent: January 26, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Venkata Naga Pradeep Kumar Kaja, Vijayaraju Konkathi
  • Patent number: 10853797
    Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.
    Type: Grant
    Filed: December 6, 2018
    Date of Patent: December 1, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10839362
    Abstract: The present invention relates to an off-line PIN authentication and an off-line PIN authentication system. The method comprises: inputting an off-line PIN1 to a POS terminal, the POS terminal generating a dynamic challenge code, and transmitting the dynamic challenge code and the off-line PIN1 to a card application; the card application verifying the first off-line PIN1 and the second off-line PIN2 are consistent with each other or not; if consistent, a digital signature being made on the first off-line PIN1 and the second off-line PIN2 to return signature data and a success status code to the POS terminal; the POS terminal verifying the signature data in case of receiving the success status code, and starting the subsequent transaction procedure if the signature data is verified successfully. According to the present invention, it not only can realize the verification of the IC card to the off-line PIN, but also can realize the verification of the terminal to the off-line PIN.
    Type: Grant
    Filed: April 22, 2014
    Date of Patent: November 17, 2020
    Assignee: CHINA UNIONPAY CO., LTD.
    Inventors: Jianbin Zheng, Yu Zhou
  • Patent number: 10826974
    Abstract: An environment for facilitating the management of content for users associated with specific partner networks is provided. Users may be granted access to such specific partner networks in accordance with each user's affiliation with one or more organizations. In accordance with the above, a content management system facilitates the content/information exchange by accepting software applications from content providers. Additionally, the content management system accepts software application specifications or manifests from partner network administrators. Accordingly, the content management system can audit and recommend actions to users regarding applicable software application based one user organizational associations. Still further, the content management system can facilitate requests from affiliated users for specific types of content that can be forwarded to content providers and later made available to affiliated users.
    Type: Grant
    Filed: October 22, 2018
    Date of Patent: November 3, 2020
    Assignee: BMC SOFTWARE, INC.
    Inventors: Geoff Ross Mair, Simon David Geddes, Larry Vaughan Toube
  • Patent number: 10827015
    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: September 17, 2019
    Date of Patent: November 3, 2020
    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: 10817926
    Abstract: An online concierge system receives an order from a customer with a list of items and allocates the order to a retailer at which the items can be picked. The retailer is associated with a payment processing system having a corresponding tokenization process. The online concierge system uses the tokenization process for the retailer to generate a payment token for the customer based on stored payment data and transmits the payment token to the payment processing system. The online concierge system determines a first payment amount from the customer to the retailer based on items picked at the retailer and a second payment amount from the retailer to the online concierge system. The payment processing system charges the customer a sum of the first payment amount and the second payment amount using the payment token. The online concierge system receives the second payment amount from the payment processing system.
    Type: Grant
    Filed: April 2, 2018
    Date of Patent: October 27, 2020
    Assignee: Maplebear, Inc.
    Inventors: David Schwantes, Denise Hoi Shuen Leung
  • Patent number: 10803449
    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: April 21, 2017
    Date of Patent: October 13, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Avinash Kalgi
  • Patent number: 10798571
    Abstract: A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: October 6, 2020
    Assignee: Visa International Service Association
    Inventors: Glenn Powell, John F. Sheets
  • Patent number: 10796297
    Abstract: An electronic device and related operations are disclosed, including a communication circuit, a memory and a magnetic stripe transmission (MST) module for radiating a magnetic pulse. A processor implements the operations, including: controlling the MST module to change an emitted radiation pattern of the magnetic pulse in prespecified order to iteratively emit the plurality of radiation patterns, in response to detecting a prespecified event, selecting a presently emitted radiation pattern of the magnetic pulse, and storing information corresponding to the selected radiation pattern in the memory, or transmitting the information corresponding to the selected radiation pattern to the server.
    Type: Grant
    Filed: January 2, 2018
    Date of Patent: October 6, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Hui Jae Lee, Hyung II Lee
  • Patent number: 10776761
    Abstract: A plurality of nodes implemented by computing devices in a network include sender and recipient nodes. The sender node sends, to the validation node, a request to transfer an amount of virtual currency from a sender account (associated with transaction receipts) to a recipient account. The request includes first copies of the receipts or references thereto. The validation node requests second copies of the receipts from at least two of the nodes, and receives the second copies from fewer than all of the nodes. The validation node determines whether the first copies have been tampered with by comparing the first and second copies to one another. When tampering has not occurred, at least one new receipt is generated indicating the amount has been transferred. Then, the at least one new receipt is forwarded to fewer than all of the nodes for storage.
    Type: Grant
    Filed: March 18, 2014
    Date of Patent: September 15, 2020
    Assignee: NCHAIN HOLDINGS LIMITED
    Inventors: Robert Scott MacGregor, Milagrino Jose C. Ong
  • Patent number: 10769656
    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: February 20, 2020
    Date of Patent: September 8, 2020
    Inventor: Michelle Fisher
  • 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: 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