Transaction Verification Patents (Class 705/75)
  • Patent number: 12165154
    Abstract: A method includes acquiring, at a node server, blockchain data for a blockchain address on a blockchain network. The blockchain data includes a plurality of transactions for the blockchain address. The method includes generating a local node trust score for the blockchain address based on the blockchain data. The local node trust score indicates a likelihood that the blockchain address is involved in fraudulent activity. The method includes receiving, from a plurality of remote servers, a plurality of additional local trust scores for the blockchain address. The method includes determining a consensus trust score based on the local node trust score and the plurality of additional local trust scores. Additionally, the method includes receiving a trust request for the blockchain address from a requesting device and sending the consensus trust score for the specified blockchain address to the requesting device.
    Type: Grant
    Filed: January 30, 2023
    Date of Patent: December 10, 2024
    Assignee: STRONG FORCE TX PORTFOLIO 2018, LLC
    Inventors: Eric Bravick, David Kuchar, Malcolm Garland, Harrison Dahme, David Marc Grossblatt
  • Patent number: 12166908
    Abstract: Systems and methods recite the use of a platform service that determines a specific type of data (e.g., a processing metric) based on current network conditions (e.g., current congestion on a blockchain network). The processing metric is then used to account for variations in processing characteristics of a blockchain network occurring while the platform service integrates the on-chain and off-chain interactions. Accordingly, while the platform service performs the integration by triggering an on-chain blockchain operation in response to a communication to initiate an off-chain response, the processing metric accounts for any delays and/or volatility in the network conditions.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: December 10, 2024
    Assignee: Coinbase, Inc.
    Inventors: Lauren Dowling, Anthony DeMartino, Daniel Kwasnick, Luyi Zhang, Rick Huynh
  • Patent number: 12155774
    Abstract: Systems, methods, and computer-readable storage media of template-based digital asset exchanges using a public key cryptography (PKC) framework. One method includes storing a plurality of exchange templates, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset. The method further includes receiving an environmental dataset, and selecting, utilizing the environmental dataset, an exchange template of the plurality of exchange templates. The method further includes populating the plurality of fields of the selected exchange template based on the environmental dataset. The method further includes providing, to a plurality of user devices, a public key, updating a provider ledger, and updating a central ledger.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: November 26, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 12147417
    Abstract: A system and a method are disclosed for using a client that is unsynchronized with a blockchain network to validate blockchain transactions for IoT devices, web apps, mobile apps, and other applications. The client retrieves a register of nodes (acting as information provider or validator) that are synchronized with the blockchain network, selects a node from the register, and transmits an information request to the selected node. The client receives a response to the request, the response including the requested information and validation indicia (e.g., proofs), and determines whether the response is valid based on the validation indicia. The client transmits, in response to determining that the response is valid, a confirmation to the IoT device, web app, mobile app or other applications.
    Type: Grant
    Filed: February 9, 2022
    Date of Patent: November 19, 2024
    Assignee: Blockchains, Inc.
    Inventors: Christoph Jentzsch, Steffen Kux, Simon Jentzsch, Jean Paul Ruiz Depraz
  • Patent number: 12141128
    Abstract: This disclosure describes aspects of an efficient blockchain API communication mechanism that reduces the energy usage and data usage. In some examples, a publish-subscribe mechanism is used for completed transaction receipts for blockchain transactions of a blockchain. The publish-subscribe mechanism uses an open source remote procedure call protocol or hypertext transfer protocol (HTTP). Components of a distributed blockchain application use a single transport or communications protocol for both synchronous and asynchronous communications.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: November 12, 2024
    Assignee: VMware LLC
    Inventors: Ram Krishnan, Dharmaraj Rajendra Parmar
  • Patent number: 12136097
    Abstract: An automatic authentication method includes an identification code reading step of reading an identification code assigned to an article from an apparatus side. The method includes a password part generation reproduction step of reproducing a procedure for generating a second password part according to a predetermined random character creation rule based on characters included in an identification information part and a first password part of the read identification code. The method includes a password collation step of collating the second password part generated by the reproduction with a second password part of the identification code of the article read by the identification code reading step. The method includes authentication steps of authenticating the article as a genuine product when the collated second password parts match each other.
    Type: Grant
    Filed: March 29, 2022
    Date of Patent: November 5, 2024
    Assignee: SEKISUI MEDICAL CO., LTD.
    Inventor: Toshiki Kawabe
  • Patent number: 12130934
    Abstract: Some examples described herein relate to generating a non-fungible token on a distributed ledger, where the non-fungible token represents a machine-learning model for use in performing hydrocarbon extraction operations. The non-fungible token can also include one or more identifiers of one or more training datasets used to train the machine-learning model.
    Type: Grant
    Filed: March 30, 2022
    Date of Patent: October 29, 2024
    Assignee: Halliburton Energy Services, Inc.
    Inventors: Christopher M. McMillon, Fahad Ahmad, Daniel Antonio
  • Patent number: 12131329
    Abstract: Systems and methods for securing a cryptocurrency asset transfer via a cross-blockchain bridge. Methods may include detecting a request to transfer the asset between blockchains and extracting a set of features such as smart contract bytecode from event logs associated with the blockchains and a blockchain bridge. Methods may include using a photonic quantum processor to use i) a long short-term neural network and ii) a neural network to generate machine learning models based on the extracted features to output i) a security risk threshold and ii) a security risk percentage, respectively. When the security risk percentage is below the security risk threshold, the method may permit the execution of a smart contract to allow transfer of the cryptocurrency asset over the blockchain bridge. When the security risk percentage is above the security risk threshold, the method may involve blocking an execution of a smart contract on the blockchain bridge.
    Type: Grant
    Filed: March 21, 2023
    Date of Patent: October 29, 2024
    Assignee: Bank of America Corporation
    Inventor: Shailendra Singh
  • Patent number: 12131320
    Abstract: Methods and systems for omni-chain interoperability protocol in omni-chain network is disclosed. The method includes receiving by a first node, an event data from a first blockchain. The method includes attesting the event data based on a Threshold Signature Schemes (TSS) process. The method includes transmitting the attested event data to time nodes on a timechain. Upon receiving the attested event data, the time nodes validate the attested event data. The validated event data is available for a second node on a second blockchain to access. The second node is configured to access the validated event data from timechain, attest the validated event data along with other nodes on the second blockchain, and deploy a second smart contract on the second blockchain. The second smart contract completes a transmission of the validated event data as an ongoing transaction from the first blockchain to the second blockchain.
    Type: Grant
    Filed: November 1, 2022
    Date of Patent: October 29, 2024
    Assignee: ANALOG ONE CORPORATION
    Inventor: Victor Young
  • Patent number: 12124437
    Abstract: A system described herein may identify a plurality of records recorded to a blockchain, and may identify a particular record of the plurality of records that includes a particular indicator that the particular record is associated with a particular event. The particular indicator may indicate a type of off-chain event. The system may perform, based on identifying the particular record that is associated with the particular event, one or more off-chain actions associated with the particular event. The performed off-chain event may be the indicated type, out of a plurality of possible types of events to perform. The system may record, to the blockchain, an indication that the one or more off-chain actions associated with the particular event have been performed. The event may include an identifier, which the system may also record to the indication that the one or more off-chain actions have been performed.
    Type: Grant
    Filed: February 9, 2022
    Date of Patent: October 22, 2024
    Assignee: Verizon Patent and Licensing Inc.
    Inventors: Ahmed A. Khan, Mohammed A. Qaudeer, Abdul Raheem, David Szol, Rasmi Ranjan Samal
  • Patent number: 12105786
    Abstract: The present disclosure relates to credential management for mobile devices that can be used for access to secured physical environments. One aspect comprises a computer implemented method comprising a server system: receiving, from a mobile computing device, a provisioning request, which includes an account credential; authenticating the provisioning request based on the mobile computing device being linked to an account indicated by the account credential; generating an account token, which is bound to the account credential; generating one or more limited-use credentials (LUCs), using an application sequence counter, each of the one or more LUCs associated with a corresponding application sequence counter value; generating one or more emergency credentials; and transmitting, to the mobile computing device, the account token, the one or more LUCs, the application sequence counter values, and the one or more emergency credentials.
    Type: Grant
    Filed: May 12, 2023
    Date of Patent: October 1, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: James Noe, John Tierney
  • Patent number: 12099495
    Abstract: A mechanism is provided to review and verify provenance of analytic execution by a contract analytic binding and provenance system. The mechanism is activated to execute a set of analytics for a contract and verifies outcomes of the analytics before writing them to a blockchain network. The mechanism evaluates the provenance data records stored on peer ledgers and establishes transparency of the outcomes by validating consensus between characteristics of the provenance data.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: September 24, 2024
    Assignee: International Business Machines Corporation
    Inventors: Corville O. Allen, Pratul Gupta, Francisco Phelan Curbera, Richard Martin Scott
  • Patent number: 12093960
    Abstract: The subject matter disclosed herein provides methods for detecting and mitigating fraudulent transactions conducted over a network. This method can access one or more data values associated with an online transaction between a first party and a second party. The first party can initiate the online transaction. The data values can characterize an identity of the first party and the second party. A score representing a likelihood that the online transaction is fraudulent can be generated. The generation of the score can be based on one or more models for detecting fraud using the data values. The score can be compared to one or more threshold scores. The online transaction can be authorized or rejected based on the comparing. Related apparatus, systems, techniques, and articles are also described.
    Type: Grant
    Filed: November 1, 2021
    Date of Patent: September 17, 2024
    Assignee: FIRST DATA RESOURCES, LLC.
    Inventors: Basil Munir Abifaker, Stephen Jones
  • Patent number: 12093375
    Abstract: Provided is a process that includes: obtaining a fictitious data entry associated with a field present in a plurality of records associated with an online resource; sending a query to a monitoring application, the query specifying the fictitious data entry and a request to determine whether a second repository of compromised data includes the fictitious data entry; in response to the query, receiving query results indicating that the second repository of compromised data includes the fictitious data entry; in response to the received indication that the second repository of compromised data includes the fictitious data entry, identifying at least some of the first set of one or more repositories that store the data entry; designating other data entries within the at least some of the first set of one or more repositories as potentially having been breached; and storing the designation in memory.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: September 17, 2024
    Assignee: SpyCloud, Inc.
    Inventors: David Endler, Alen Puzic, Edward Ross
  • Patent number: 12093952
    Abstract: Exclusive ownership of data units, such as monetary units, is transferred by inputting a request from a transferor, to transfer to a transferee at least a designated one of the data units, said request including an identifier of the transferor, an identifier of the designated data unit, and an identifier of a transferee. The identifier of the transferor is verified and the absence of any other request to transfer the designated data unit is confirmed. A designation of ownership of the designated data unit is then changed from the transferor to the transferee in a ledger, which is comprised of a group of subledgers, each configured as a blockchain.
    Type: Grant
    Filed: August 6, 2021
    Date of Patent: September 17, 2024
    Assignee: Guardtime SA
    Inventors: Ahto Buldas, Mart Saarepera, Michael Gault, Risto Laanoja
  • Patent number: 12086792
    Abstract: A method for managing personal data is disclosed. A request for an identifier (ID) token corresponding to a user is received from a virtual wallet. The ID token is generated and transmitted to the virtual wallet, where the ID token is presented to a third-party entity by a device of the user. A request for the personal data corresponding to the ID token is received from the third-party entity. A trustworthiness score for the third-party entity is determined based at least in part on an analysis of entity data corresponding to the third-party entity. The trustworthiness score and received request are transmitted to the virtual wallet and passed on to the user device. An indication of acceptance of the request and encrypted personal data associated with the generated ID token are received from the virtual wallet and transmitted to the third-party entity for processing.
    Type: Grant
    Filed: January 20, 2022
    Date of Patent: September 10, 2024
    Assignee: VOCALINK LIMITED
    Inventors: Nilesh Upadhye, Joseph Hayes
  • Patent number: 12072866
    Abstract: A data processing method for blockchain technology verifies transactions. Transaction operations on a blockchain are more consistent and the accuracy of transaction data on the blockchain is improved. A first transaction operation corresponding to a first transaction request on the blockchain, and a second transaction operation corresponding to a second transaction request on the blockchain are both performed. When an operation result corresponding to either the first transaction operation and/or the second transaction operation is a failure, then the processing on a transaction operation can be rolled back to a successful operation.
    Type: Grant
    Filed: May 6, 2022
    Date of Patent: August 27, 2024
    Assignee: Tencent Technology (Shenzhen) Company Limited
    Inventors: Maocai Li, Zongyou Wang, Yifang Shi, Gengliang Zhu, Hu Lan, Huankun Huang
  • Patent number: 12073399
    Abstract: A computer-implemented method and system for blockchain network congestion-adaptive handling of events relating to digital assets, including creation and transfer operations. A congestion metric is measured to determine current congestion of the blockchain network. If below a first threshold level, then digital asset request are implemented using blockchain transactions at layer 1 as they are received. If the metric is above the first threshold level, then the received requests are queued until a queue trigger is detected, whereupon the queued requests are processed at layer 2 and a batch blockchain transaction is used to implement the two or more requests by recording the updated state on chain. When the metric falls below a second threshold, the process reverts to using layer 1 blockchain transactions instead of queueing requests for layer 2 batch processing.
    Type: Grant
    Filed: September 13, 2021
    Date of Patent: August 27, 2024
    Assignee: Shopify Inc.
    Inventor: John Jong-Suk Lee
  • Patent number: 12073401
    Abstract: Disclosed is a method for use in a virtual asset transmission from a sender having a sending account at a sending virtual asset service provider (sending VASP) to a recipient having a receiving account at a receiving virtual asset service provider (receiving VASP).
    Type: Grant
    Filed: September 23, 2022
    Date of Patent: August 27, 2024
    Assignees: Dunamu Inc., Lambda266
    Inventors: Jae Hoon Oh, Hyeok Choi
  • Patent number: 12073389
    Abstract: A uniform resource locator (URL) stored or presented on a tangible, non-transitory medium includes key parameters of an address on a blockchain network from which a token or value is to be transferred. The URL points to computer program code on the blockchain network such that execution of the URL causes the computer program code to produce a cryptographically signed transaction having the key parameters of the address and key parameters of a recipient address on the blockchain network to which the token or value is to be sent, and further causes the computer program code to transfer the token or value from the address to the recipient address. A method generates a URL containing key parameters of an address on the blockchain network that upon execution automatically results in a recipient device that executed the URL receiving control over a token or value stored at the address.
    Type: Grant
    Filed: March 9, 2023
    Date of Patent: August 27, 2024
    Assignee: WALY CASH INC.
    Inventors: Jesse Thomas Seaver, Sacha Tueni, Noah Thorp, Michael Reeder
  • Patent number: 12067560
    Abstract: A system and method for transferring data representing one or more transactions between computing nodes of a computer network by at least one intermediary node may include: receiving a transaction request, for transferring ownership of a product from a current owner to a subsequent owner, the transaction request being signed by the current owner; authenticating the signature of the current owner; accessing a product chain associated with the product; extracting from the product chain a list of target user entities and a contract data element; producing an ownership block including an identification of the subsequent owner; appending the ownership block to the product chain, to indicate transfer of ownership from the current owner to the subsequent owner; and transferring data representing one or more transactions between the intermediary node and one or more computing nodes based on the transaction request.
    Type: Grant
    Filed: November 20, 2019
    Date of Patent: August 20, 2024
    Assignee: SOURCE Ltd.
    Inventors: Shmuel Ur, Ilya Dubinsky
  • Patent number: 12056711
    Abstract: Disclosed are methods, systems, and devices for preventing payments to unintended beneficiaries. A service provider system may receive, from a user device of a user, a payment request to transfer funds from a source account to an identified destination account. A beneficiary system may be identified, and a validation request (e.g., an API call) may be transmitted to the beneficiary system. The service provider system may receive from the beneficiary system a transmission indicating whether the destination account is associated with the recipient identified in the payment request. The user may be alerted if the account number for the destination account is not validated.
    Type: Grant
    Filed: May 15, 2023
    Date of Patent: August 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventor: Marcus Yamane
  • Patent number: 12051066
    Abstract: The disclosed technology relates to blockchain asset transfer destination verification to reduce fraudulent activity and increase confidence in digital asset transfers. An exemplary oracle device may apply a machine learning model to transaction context data received from a source device to generate a confidence score informed based on transaction pattern data for the destination address. The transaction context data may include a destination address and may be associated with a transfer of an asset via a blockchain network. The generated confidence score may then be sent by the oracle device to the source device to facilitate an informed decision by a user of the source device as to whether to proceed with the transaction. The machine learning model may then be updated based on the transaction context data and a completion indication received from the source device and indicative of whether the asset was transferred via the destination address.
    Type: Grant
    Filed: March 15, 2022
    Date of Patent: July 30, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kevin Osborn, Xiaoguang Zhu, Samuel Rapowitz
  • Patent number: 12045807
    Abstract: Method, system, and computer program product for executing cryptocurrency transactions. A request to execute a transaction related to a first cryptocurrency token is received by a secure ledger network. The secure ledger network executes a smart contract validated thereby and determining at least one rule for performing the transaction. Execution of the transaction comprising determining a price of the first cryptocurrency token and/or an amount of at least one of the first cryptocurrency token and another cryptocurrency token obtained in exchange of one another, based on a group of parameters comprising: a total amount (Tt) of the first cryptocurrency token in circulation, a total reserve (Tr) of the other cryptocurrency token in a reserve, and a reserve ratio constant (Rr) predefined as a ratio between the total reserve and a token market cap. A secure ledger maintained by the secure ledger network is updated about completion of the transaction.
    Type: Grant
    Filed: February 6, 2023
    Date of Patent: July 23, 2024
    Assignees: Bprotocol Foundation, Localcoin Ltd.
    Inventors: Eyal Hertzog, Guy Ben Artzi, Galia Benartzi, Yehuda Levi
  • Patent number: 12045824
    Abstract: A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include: (a) receiving a payment authorization, through a network, from a sender financial institution; (b) obtaining, in real-time after receiving the payment authorization, a sender status based on sender information of the payment authorization; (c) when the sender status is preauthorized, instructing, through the network and in real-time after obtaining the sender status, a recipient financial institution to bypass a transaction fraud detection mechanism; and (d) instructing, through the network, the recipient financial institution to post a payment amount of the payment authorization to a recipient account in real-time. Other embodiments are described.
    Type: Grant
    Filed: September 10, 2020
    Date of Patent: July 23, 2024
    Assignee: EARLY WARNING SERVICES, LLC
    Inventor: Laura Weinflash
  • Patent number: 12047456
    Abstract: A medical system, comprising: a medical machine; and a gateway device configured to communicate with the medical machine to allow access to a network, the gateway device comprising a data allowance and limitation unit that is configured to limit communication between the medical machine and the network when the data allowance and limitation unit is in an open state, wherein the data allowance and limitation unit is placed in the open state when a plannable system event occurs, and wherein, while in the open state, the data allowance and limitation unit is placed in a closed state when an unplanned event occurs, thereby providing less limited communication between the medical machine and the network compared to the open state.
    Type: Grant
    Filed: November 9, 2021
    Date of Patent: July 23, 2024
    Assignees: Fresenius Medical Care Holdings, Inc.
    Inventors: Mihai Diga, Klaus Wolf, Stefan Perplies, Karsten Fischer, Johannes Thoelking
  • Patent number: 12033164
    Abstract: A computerized network links individual lay users, referred to as “standard users,” with qualified professionals in one or more disciplines, such as law, medicine, engineering, accounting and architecture, who are referred to as “participating professionals.” Business entities, such as corporations, partnerships and limited liability companies, can also participate as “enterprise users,” with linkage through the network to both standard users and participating professionals. The network enables standard users, participating professionals and enterprise users to communicate, share information, conduct studies, and negotiate and/or create documents relating to the professional disciplines.
    Type: Grant
    Filed: October 12, 2021
    Date of Patent: July 9, 2024
    Inventor: Beatrice T. O'Brien
  • Patent number: 12026789
    Abstract: Systems and methods of forensic analysis of cryptocurrency transactions are described herein. A method can include obtaining fiat-based transaction data from a bank account, identifying a purchase of a cryptocurrency from fiat-based transaction data and cryptocurrency exchange trade history data from a cryptocurrency exchange where the cryptocurrency was purchased, obtaining cryptocurrency-based transaction data that identifies downstream cryptocurrency transaction data where the cryptocurrency was transferred out of the cryptocurrency exchange; and scoring a user who purchased or used the cryptocurrency based on the fiat-based transaction data, the cryptocurrency exchange trade history data, and the cryptocurrency-based transaction data.
    Type: Grant
    Filed: February 7, 2022
    Date of Patent: July 2, 2024
    Assignee: CipherTrace, Inc.
    Inventors: David Alexander Jevans, Shannon Holland
  • Patent number: 12003642
    Abstract: In an example, a non-transitory machine-readable storage medium includes stored instructions. The store instructions, when executed by one or more processors, cause the one or more processors to: receive a unique identifier of a tagged physical good; receive a public key stored in a Non-Fungible Token (NFT) corresponding to the unique identifier; encrypt a first passphrase using the public key to obtain an encrypted passphrase; compare a second passphrase to the first passphrase; and generate an output indication in response to comparing the second passphrase to the first passphrase. The second passphrase is generated by decrypting the encrypted passphrase using a private key stored on an electronic tag device embedded in the tagged physical good.
    Type: Grant
    Filed: October 21, 2021
    Date of Patent: June 4, 2024
    Inventor: Stephen Mayne
  • Patent number: 11995645
    Abstract: A computer implemented system and a method for providing user related data, such as reputational information, on users of a blockchain involved in transactions is detailed. The method includes an approach for evaluating fulfilment of transactions, particularly in the context of contracts, and then providing a record of that on the blockchain through reputational information. As a result, at a late time, this reputational information can be retrieved. Similar reputational information for other transactions can be retrieved and linked to the same user, for instance based on the use of a hash of the master public key for a user. Aggregate reputational information can be computed from the pieces of reputational information retrieved.
    Type: Grant
    Filed: February 17, 2022
    Date of Patent: May 28, 2024
    Assignee: nChain Licensing AG
    Inventors: Martin Sewell, Vera Vsevolozhsky, Craig Steven Wright
  • Patent number: 11991178
    Abstract: In a secret computation system, each of the three or more secret computation servers is configured to transmit, to the auxiliary server, carry computation information for computing a carry indicating whether or not digit carry occurs when a share of arithmetic operation is added as a binary number. The auxiliary server is configured to compute the carry based on the carry computation information received and compute an adjustment value used for computing the share of the arithmetic operation from a share of logical operation by using the computed carry. The auxiliary server distributes the computed adjustment value to the three or more secret computation servers. Each of the three or more secret computation servers is configured to convert the share of the logical operation to the share of the arithmetic operation by using a distributed value of the adjustment value.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: May 21, 2024
    Assignee: NEC CORPORATION
    Inventors: Hikaru Tsuchida, Toshinori Araki, Kazuma Ohara
  • Patent number: 11979394
    Abstract: Methods, systems, and apparatuses for secure communications in a communications system through a secure database (SDB) using random numbers including, one-time use random number cipher keys.
    Type: Grant
    Filed: September 23, 2022
    Date of Patent: May 7, 2024
    Assignee: MATRICS2, INC
    Inventors: Michael R. Arneson, William R. Bandy
  • Patent number: 11972429
    Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. A computing device receives return data identifying the return of at least one item. The computing device obtains modified strategy data identifying at least one rule of a modified strategy. The rule may be based on the application of at least one dimensionality reduction algorithm to an initial strategy. The computing device applies the modified strategy to the received return data identifying the return of the at least one item, and determines whether the return of the at least one item is fraudulent based on the application of the modified strategy. The computing device generates fraud data identifying whether the return of the at least one item is fraudulent based on the determination, and may transmit the fraud data to another computing device to indicate whether the return is fraudulent.
    Type: Grant
    Filed: January 24, 2019
    Date of Patent: April 30, 2024
    Assignee: Walmart Apollo, LLC
    Inventors: Vidhya Raman, Lian Liu, Hui-Min Chen, Sangita Fatnani
  • Patent number: 11961063
    Abstract: Systems and methods for enhanced payment codes are disclosed. According to one embodiment, a method for presenting a machine-readable code to a transaction terminal may include (1) a computer payment application executed by a computer processor of a mobile electronic device displaying an image of a first payment device on a display; (2) the computer payment application receiving a signal from a sensor in the mobile electronic device indicating that the display is being presented to a transaction terminal; (3) the computer application requesting a machine readable code from a provider of machine-readable codes for the first payment device; (4) the computer application receiving the machine readable code for the first payment device; and (5) the computer application displaying the machine readable code on the display.
    Type: Grant
    Filed: May 19, 2016
    Date of Patent: April 16, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventor: Howard Spector
  • Patent number: 11961079
    Abstract: An age verification method performed at a mobile device comprises: receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data; verifying, using at least one sensor, an identity of a user of the mobile device; responsive to said verifying, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data; generating a response message that comprises a response from the digital identity application to the age verification request; and transmitting, to the point-of-sale terminal, the response message and the payment credential for initiation of a transaction authorization request.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: April 16, 2024
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
    Inventors: Rajat Maheshwari, Frederic Fortin, Prashant Sharma
  • Patent number: 11956360
    Abstract: A node in a blockchain network may generate a secret information proof, generate a private/public key pair, encrypt the secret information proof with the private/public key pair, and submit the proof to a blockchain network.
    Type: Grant
    Filed: June 15, 2021
    Date of Patent: April 9, 2024
    Assignee: International Business Machines Corporation
    Inventors: Petr Novotny, Shikhar Kwatra, Nitin Gaur, Matthias Seul
  • Patent number: 11956248
    Abstract: An electronic device includes a communication interface and at least one processor configured for: transmitting to or receiving from a second electronic device over proximity-based communication channel an introduction message including a first encryption key; receiving, from a server via the at least one communication interface, a challenge notification providing notification of a challenge to be completed to initiate a data process, the challenge notification including or providing access to at least one data field associated with a verification challenge; identifying, from the at least one data field, an encrypted challenge response value; decrypting the encrypted challenge response value with a key corresponding to the first encryption key; and transmitting the decrypted challenge response value to the server to complete the challenge to initiate the data process.
    Type: Grant
    Filed: April 30, 2021
    Date of Patent: April 9, 2024
    Assignee: ROYAL BANK OF CANADA
    Inventors: Alex Tak Kwun Lau, Edison U. Ortiz, Akhil Gupta, Mohit Sharma, Lucas Joseph Manuel, Tian Jou Tendy Su
  • Patent number: 11956368
    Abstract: An approach is provided for implementing a useful proof-of-work consensus algorithm. A proposed block is received. A combined hash value is generated based on the proposed block and a nonce value. The combined hash value is divided into a plurality of hash value pieces that each correspond to a work packet of a plurality of work packets. One or more requests are transmitted for the plurality of work packets that correspond to the plurality of hash value pieces. In response to receiving the plurality of work packets, a plurality of results is generated by performing, for each work packet of the plurality of work packets, one or more operations to complete work specified by the respective work packet. In response to determining that at least one result of the plurality of results satisfies one or more criteria, the proposed block is added to a blockchain maintained by the blockchain network.
    Type: Grant
    Filed: December 17, 2021
    Date of Patent: April 9, 2024
    Assignee: Advanced Micro Devices, Inc.
    Inventors: Sergey Blagodurov, Andrew G. Kegel
  • Patent number: 11956346
    Abstract: The present invention discloses a blockchain system comprising N local area chains and M master nodes, N is an integer greater than or equal to 2, and M is an integer greater than or equal to 1; a first local area chain includes at least one child node and a first master node, both connection between the at least one child node and connection between the at least one child node and the first master node are established, the first local area chain is any one of the N local area chains, and the first master node is one of the M master nodes; and internal shared information of the first local area chain is shared between the at least one child node, and external shared information is shared with other local area chains in the N local area chains through the first master node and other master nodes.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: April 9, 2024
    Assignee: SIMPLECREDIT MICRO-LENDING CO., LTD.
    Inventor: Kaining Wang
  • Patent number: 11942195
    Abstract: A system for maintaining accurate health data and for providing rewards to data market participants. A marketplace platform based on Blockchain technology leverages smart contracts to provide rewards to sellers of data assets that provide corrections or updates to medical data, such as provider demographics. A URL API is provided to a buyer of the data with an encrypted password that is used to access the data from the URL API.
    Type: Grant
    Filed: January 30, 2018
    Date of Patent: March 26, 2024
    Assignee: Humana Inc.
    Inventors: Kyle Culver, Rohit Wason, Nicholas Hill, Zachary A. Stout, Matthew A. Plappert, Chulmin Lee, Benjamin Singer, Norman Leach, Emily Braun
  • Patent number: 11928679
    Abstract: A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.
    Type: Grant
    Filed: September 21, 2020
    Date of Patent: March 12, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Brien Buckman, Benjamin Alexander Flast
  • Patent number: 11928104
    Abstract: A method for operating a decentralized application by users of a blockchain. In the method, a first user proposes a state change on a state channel anchored in a blockchain. If a confirmation of the state change by the other users on the state channel does not occur, the first user prompts the other users to confirm within a predefined time span on the blockchain. If the confirmation also does not occur on the blockchain, the state change is carried out at the blockchain.
    Type: Grant
    Filed: September 10, 2021
    Date of Patent: March 12, 2024
    Assignee: ROBERT BOSCH GMBH
    Inventors: Alexander Poddey, Fredrik Kamphuis
  • Patent number: 11914564
    Abstract: A Merkle tree-based data management method may comprise: aligning data into two-dimensional square matrix; calculating a hash value of each node of the two-dimensional square matrix; calculating hash values of each row of the two-dimensional square matrix; generating an additional column with nodes having the hash values of each row; calculating hash values of each column of the two-dimensional square matrix; generating an additional row with nodes having hash values of each column; and calculating a Merkle root by concatenating the hash values of the additional column and the hash values of the additional row.
    Type: Grant
    Filed: November 29, 2022
    Date of Patent: February 27, 2024
    Assignee: Penta Security Inc.
    Inventors: Jin Hyeok Oh, Keon Yun, Sun Woo Yun, Sang Min Lee, Jun Yong Lee, Sang Gyoo Sim, Tae Gyun Kim
  • Patent number: 11907199
    Abstract: Examples include a blockchain system associated with a distributed file system. Some examples include creating a block in the blockchain system for each action performed while performing a transaction in relation to a file stored in the distributed file system. The created block includes information identifying one or more of a signature of metadata of the file or a signature of data content of the file. Some examples include performing audit on a file, through a blockchain system, to validate consistency of the file.
    Type: Grant
    Filed: September 3, 2020
    Date of Patent: February 20, 2024
    Assignee: Hewlett Packard Enterprise Development LP
    Inventors: Rajkumar Kannan, Aruna Srinivasa Murthy
  • Patent number: 11900370
    Abstract: A computer-implemented method for authenticating a user device via a device credential scoped to a common domain shared among a plurality of payment networks may be provided. The method may include receiving, by a server of a payment network, a first request redirected from a sub-domain assigned to the payment network to a domain name associated with the payment network, responsive to the first request, transmitting, to the user device, an authentication request comprising a challenge, a user identifier that identifies the user, and the common domain to which the device credential is scoped, receiving, from the user device, a response, accessing the device credential, the device credential having been stored by the payment network, validating the response based on the device credential, and causing, by the server, the user identifier and the device credential to be federated to the other ones of the plurality of payment networks based on the validating.
    Type: Grant
    Filed: January 4, 2021
    Date of Patent: February 13, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Edward Neil Livingston, Rory Macdonald, Robert Ouellette, Grace Lim, Fred M. Pacher
  • Patent number: 11893553
    Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.
    Type: Grant
    Filed: November 17, 2021
    Date of Patent: February 6, 2024
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Michael Knorr, Erik F. Nelson, Matthew Mullin Shepherd, Laura Marie Fontana
  • Patent number: 11875348
    Abstract: Provided is a computer-implemented method for conducting a payment transaction to ensure data integrity of the payment transaction that includes generating a transaction authorization request message, where the transaction authorization request message comprises a payload associated with an electronic funds transfer at a point-of-sale (POS) device, and where generating the transaction authorization request message includes generating a digital signature for the payload using a private key of a payment gateway system and inserting the digital signature for the payload into the transaction authorization request message, transmitting the transaction authorization request message including the digital signature, and receiving a transaction authorization response message from a transaction service provider system. A system and computer program product are also provided.
    Type: Grant
    Filed: June 3, 2022
    Date of Patent: January 16, 2024
    Assignee: Visa International Service Association
    Inventors: Priya Nanduri, Vilas Hegde, Murugesh Moorthy Panchali, Larry O'Connor
  • Patent number: 11869307
    Abstract: Various examples of managing electronic accounts across various devices are described. Tokens may be used to transfer funds from one device to another device as the funds are desired for various activities such as gaming.
    Type: Grant
    Filed: July 26, 2021
    Date of Patent: January 9, 2024
    Assignee: CFPH, LLC
    Inventor: Howard W. Lutnick
  • Patent number: 11849051
    Abstract: Systems and methods for off-chain verification of cryptographic transactions are disclosed. The system receives a first transaction from a first blockchain, wherein the first transaction is associated with a first address of a first user device and receives a notification of an analysis of a whitelist status for the first transaction. The system performs a first off-chain check on the first transaction to determine validity of the first transaction and if the first off-chain check fails, determines whether a second off-chain check is required. If the second off-chain check is required the system performs the second off-chain check and if the second off-chain check fails, determines whether a supervised check is required. If the supervised check is required, the system sends transaction parameters of the first transaction to a second user device and submits transaction details to the first blockchain if an approval is received from the supervisor user device.
    Type: Grant
    Filed: December 12, 2021
    Date of Patent: December 19, 2023
    Assignee: iComply Investor Services Inc.
    Inventors: Matthew Unger, Matej Masiar, Qayyum Rajan
  • Patent number: 11847135
    Abstract: A transaction method and a node design in a blockchain system, where a client initiates a transaction using a Structured Query Language (SQL) write command including transaction data or queries transaction data using an SQL query command. A node parses an SQL command, executes a simulated transaction, and checks block data based on a transaction result of the simulated transaction after obtaining the block data. After the check succeeds, the node converts the block data into an SQL write command that writes the block data, thereby writing the block data to a relational database (RDB).
    Type: Grant
    Filed: February 3, 2021
    Date of Patent: December 19, 2023
    Assignee: HUAWEI TECHNOLOGIES CO., LTD.
    Inventors: Qi Liu, Jian Ding, Yanlan Wei