Including Remote Charge Determination Or Related Payment System Patents (Class 705/77)
  • Patent number: 11961154
    Abstract: In some examples, an electronic device includes sensor circuitry and token circuitry. The sensor circuitry may capture sensor data and the contract token circuitry may generate a contract acceptance token including an acceptance indication and sensor data captured by the sensor circuitry. The token circuitry may send the contract acceptance token including the sensor data to a different electronic device.
    Type: Grant
    Filed: May 21, 2015
    Date of Patent: April 16, 2024
    Assignee: DXC TECHNOLOGY SERVICES LLC
    Inventor: Babak Makkinejad
  • Patent number: 11842338
    Abstract: A payment method and apparatus wherein a customer sends a transaction message from a customer account for a current transaction to a payment processor and to a supplier including a hash of transaction information from a previous transaction of the customer with the payment processor, a hash of transaction information from the current transaction and an encryption of transaction information for the current transaction including a state of the transaction. The transaction information from the current transaction along with the hash of the transaction information from the previous transaction is stored in a stream of transaction data in the customer account by the customer. The payment processor compares the hash of the transaction information from the previous transaction with a stored hash of the transaction information from the previous transaction to authenticate the customer.
    Type: Grant
    Filed: June 9, 2020
    Date of Patent: December 12, 2023
    Inventor: Dragos-Liviu Crintea
  • Patent number: 11842352
    Abstract: Systems and methods for account validation are disclosed. A method may include: receiving, at a validation computer program and from a client device, a request to validate payment information; querying, by the validation computer program, a plurality of validation systems with at least some of the payment information; receiving, at the validation computer program, a query response from each validation system; calculating, by the validation computer program, a risk score for each validation system based on a comparison between the payment information and the query response; weighting, by the validation computer program, the risk score for each validation system, wherein the weighting may be based on an accuracy of past risk scores for each validation system; aggregating, by the validation computer program, the weighted risk scores into a cumulative risk score; and outputting the cumulative risk score to the client device.
    Type: Grant
    Filed: November 2, 2022
    Date of Patent: December 12, 2023
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Sameer Kurani, Stew Cofer, Mark Jones
  • Patent number: 11797957
    Abstract: A system where a payer transmits a first-time enrollment request to a portal, where the first-time enrollment request includes initial identifying information of said first circuit and/or communication circuit. In the system, the portal generates an out-of-band blockchain notification requesting authentication from a recipient. In addition, the recipient receives the out-of-band notification whereby the recipient accepts the funds and initial enrollment is completed through the portal. Furthermore, the portal communicates with a third party for verification and transmits an enrollment confirmation to the recipient. Also, the portal transmits an enrollment confirmation upon the successful/unsuccessful enrollment of the recipient.
    Type: Grant
    Filed: May 29, 2019
    Date of Patent: October 24, 2023
    Assignee: FINTAINIUM, INC.
    Inventors: Richard Jackman, Romi Kohli, Simarpreet Singh
  • Patent number: 11777748
    Abstract: A method, computer program product and computer system for trusted timestamping is provided. A processor generates a first key pair, where the key pair includes a public key and a private key. A processor publishes the public key of the first key pair to an immutable data structure. A processor receives a first digital file for timestamping. A processor signs the first digital file with the private key of the first key pair.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: October 3, 2023
    Assignee: International Business Machines Corporation
    Inventors: Harm P. Hofstee, Alexander S. J. Misdorp, Zoltan Szlavik
  • Patent number: 11741476
    Abstract: Method, device, and system of detecting a mule bank account, or a bank account used for terror funding or money laundering. A method includes: monitoring interactions of a user with a computing device during online access with a bank account; and based on the monitoring, determining that the bank account is utilized as a mule bank account to illegally receive and transfer money, or is used for money laundering or terror funding. The method takes into account one or more indicators, such as, utilization of a remote access channel, utilization of a virtual machine or a proxy server, unique behavior across multiple different accounts, temporal correlation among operations, detection of a set of operations that follow a pre-defined mule account playbook, detection of multiple incoming fund transfers from multiple countries that are followed by a single outgoing fund transfer to a different country, and other indicators.
    Type: Grant
    Filed: January 22, 2023
    Date of Patent: August 29, 2023
    Assignee: BIOCATCH LTD.
    Inventors: Itai Novick, Avi Turgeman
  • Patent number: 11687877
    Abstract: This disclosure includes various methods and systems for automatically identifying product substitutes based on correlating product attributes to attributes of products in a subset of possible product pairs that are identified as substitute pairs.
    Type: Grant
    Filed: October 26, 2021
    Date of Patent: June 27, 2023
    Assignee: Home Depot Product Authority, LLC
    Inventors: William Dudziak, Jared T. Sears
  • Patent number: 11657126
    Abstract: Systems and methods for dynamic workspace targeting with crowdsourced user context are described. In some embodiments, an Information Handling System (IHS) of a workspace orchestration service may include a processor; and a memory coupled to the processor, the memory having program instructions stored thereon that, upon execution by the processor, cause the IHS to: detect execution of an application in a workspace instantiated by a client IHS; validate the application based upon productivity context information and security context information received from the client IHS; and in response to the validation, distribute the validated application to another workspace instantiated by another client IHS.
    Type: Grant
    Filed: October 31, 2019
    Date of Patent: May 23, 2023
    Assignee: Dell Products, L.P.
    Inventors: Carlton A. Andrews, Girish S. Dhoble, Nicholas D. Grobelny, David Konetski, Joseph Kozlowski, Ricardo L. Martinez, Charles D. Robison
  • Patent number: 11599860
    Abstract: A method, computer system, and a computer program product for managing an electronic payment function by an electronic device is provided. The present invention may include initiating an electronic payment function by an electronic device based on determining that conditions of a user specification are met, whereby the initiated electronic payment function triggers an electronic purchase of a target item.
    Type: Grant
    Filed: November 2, 2018
    Date of Patent: March 7, 2023
    Assignee: INTERNATIONAL BUSINESS MACHINES CORPORATION
    Inventors: Julia Jankowski, Kaleigh E. Williams, Taylor Presley, Elizabeth C. Huntley
  • Patent number: 11580553
    Abstract: Method, device, and system of detecting a mule bank account, or a bank account used for terror funding or money laundering. A method includes: monitoring interactions of a user with a computing device during online access with a bank account; and based on the monitoring, determining that the bank account is utilized as a mule bank account to illegally receive and transfer money, or is used for money laundering or terror funding. The method takes into account one or more indicators, such as, utilization of a remote access channel, utilization of a virtual machine or a proxy server, unique behavior across multiple different accounts, temporal correlation among operations, detection of a set of operations that follow a pre-defined mule account playbook, detection of multiple incoming fund transfers from multiple countries that are followed by a single outgoing fund transfer to a different country, and other indicators.
    Type: Grant
    Filed: December 14, 2021
    Date of Patent: February 14, 2023
    Assignee: BIOCATCH LTD.
    Inventors: Itai Novick, Avi Turgeman
  • Patent number: 11537714
    Abstract: Facilitating antivirus scan filing locking based on cluster lock mechanism in distributed file systems is provided herein. A system comprises a processor and a memory that stores executable instructions that, when executed by the processor, facilitate performance of operations. The operations comprise determining an antivirus scan status of an object, based on an open object request received from a node device of a cluster of node devices, which is determined through the use of Lock Value Blocks. The antivirus scanning of the object is a precondition for opening the object. The antivirus scan status of the object is one of an unscanned status, a queued status, or a scanned status. Further, the operations can comprise, based on the antivirus scan status being the queued status or the scanned status, selectively facilitating the opening of the object at the node device while circumventing the precondition.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: December 27, 2022
    Assignee: EMC IP Holding Company LLC
    Inventors: David Leimbach, Douglas Kilpatrick
  • Patent number: 11538040
    Abstract: Systems and methods for account validation are disclosed. A method may include: receiving, at a validation computer program and from a client device, a request to validate payment information; querying, by the validation computer program, a plurality of validation systems with at least some of the payment information; receiving, at the validation computer program, a query response from each validation system; calculating, by the validation computer program, a risk score for each validation system based on a comparison between the payment information and the query response; weighting, by the validation computer program, the risk score for each validation system, wherein the weighting may be based on an accuracy of past risk scores for each validation system; aggregating, by the validation computer program, the weighted risk scores into a cumulative risk score; and outputting the cumulative risk score to the client device.
    Type: Grant
    Filed: February 11, 2021
    Date of Patent: December 27, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Sameer Kurani, Stew Cofer, Mark Jones
  • Patent number: 11537867
    Abstract: A method is disclosed. The method includes receiving, from a user computer that is a party to a transaction, information that can be used to identify a transaction between the user computer and a resource provider computer. The method further includes determining one or more attributes. The method additionally includes presenting a first question based on the one or more attributes. The method also includes receiving a response to the first question, presenting a second question based on the received response, and receiving a response to the second question. The method further includes storing the received responses in a data storage element, wherein the data storage element is accessible by an authorizing entity computer.
    Type: Grant
    Filed: September 27, 2017
    Date of Patent: December 27, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Richard Stopic, Rajesh Kumar Aroli Veettil, Madhvesh Navkal Badri
  • Patent number: 11507749
    Abstract: A mobile language interpretation platform has a mobile support device. Further, the mobile language interpretation platform has one or more wheels attached to the mobile support device. Moreover, the mobile language interpretation platform has a computing device operably attached to the mobile support device. The computing device has a receiver that receives, from a context-specific server, a request for a context-specific service pertaining to a contextual environment in which the mobile language interpretation platform is physically located. Additionally, the computing device has a processor that performs the context-specific service and establishes a language interpretation session between at least one user situated at the mobile language interpretation platform and a remotely-situated language interpreter. Finally, the computing device has a transmitter that sends data pertaining to the context-specific service to the context-specific server.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: November 22, 2022
    Assignee: Language Line Services, Inc.
    Inventors: Scott W. Klein, Jeffrey Cordell, Lindsay D'Penha
  • Patent number: 11494777
    Abstract: While mobile device location remains, private, user transaction controls are applied to a specific authorization request. The user transaction controls are pre-configured by the user of the mobile account holder device and identified by the enriched merchant data. Location algorithms predict transaction locations used to obtain enriched merchant data responsive to location privacy mode. Responsive to the user transaction controls, a fraud recommendation response is sent to the approval system, in real time with the transaction. The fraud recommendation response prevents a false negative by using an enriched merchant location rather than the raw merchant location.
    Type: Grant
    Filed: December 16, 2020
    Date of Patent: November 8, 2022
    Assignee: OnDot Systems, Inc.
    Inventors: Vaduvur Bharghavan, Sungwook Han, Zhiqiang Zhang
  • Patent number: 11477624
    Abstract: A method of provisioning wireless communication service to wireless communication devices. The method comprises allocating telephone numbers to a first plurality of devices, allocating the same telephone numbers to a second plurality of devices, transmitting an eSIM provisioning data bundle in a short message service (SMS) message to the first plurality of devices by a first communication network routing node based on the corresponding one of the plurality of telephone numbers, transmitting an eSIM provisioning data bundle in a SMS message to the second plurality of devices by a second communication network routing node based on the corresponding one of the plurality of telephone numbers, wherein the first communication network routing node routes SMS messages in a first region and the second communication network routine node routes SMS messages in a second region, whereby a single telephone number is leveraged by two different devices located in different regions.
    Type: Grant
    Filed: November 24, 2020
    Date of Patent: October 18, 2022
    Assignee: Sprint Communications Company L.P.
    Inventor: Dhananjay Indurkar
  • Patent number: 11449852
    Abstract: Systems and methods are provided for use in facilitating network transactions. In connection therewith, a server receives a request from an application of a requestor mobile device and polls sender mobile devices for location data, where a subset of the sender mobile devices is within a defined distance of the requestor mobile device. The server then receives a response from one of the subset of sender mobile devices and presents the response to the application of the requestor mobile device. Upon acceptance of the response, the server transmits the acceptance to the sender mobile device, thereby enabling delivery of an amount requested to a requestor user associated with the requestor mobile device in exchange for a digital transaction from an account of the requestor user to an account of a sender user associated with the sender mobile device.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: September 20, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Manoneet Kohli
  • Patent number: 11429602
    Abstract: A system that provides for multi-dimensional modeling of resource interaction processors for determining viability of deployment of resource interaction services. The system leverages data captured from various sources along with internal and external rules and regulations applicable to a resource interaction processor to determine whether the resource interaction processor meets requirements for resource interactions services. In the event that the resource interaction processor is determined to be viable, resource interactions services are deployed to the resource interaction processor.
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: August 30, 2022
    Assignee: BANK OF AMERICA CORPORATION
    Inventors: Elena Kvochko, Manu Jacob Kurian
  • Patent number: 11386371
    Abstract: Systems, methods and apparatus, including computer program products, are disclosed for regulating access of consumers (e.g., applications, containers, or VMs) to resources and services (e.g., storage). In one embodiment, this regulation occurs through the movement of consumers between different providers of a resource or service, such as a cloud service provider. Moving consumers includes, for example, determining the cost of moving the consumer from a first provider to a second provider. According to various embodiments, the cost of moving the consumer is compared to performance criteria associated with moving the consumer from the first provider to the second provider.
    Type: Grant
    Filed: December 10, 2020
    Date of Patent: July 12, 2022
    Assignee: TURBONOMIC, INC.
    Inventors: Enlin Xu, Endre Sara, David Olshefski, Ariel Tal, Mor Cohen
  • Patent number: 11270019
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for processing confidential data and confidential programs while providing mutual security to the data and programs. A method includes receiving, from a first system, customer energy data, including data representing energy consumption by a customer; receiving, from a second system, program data representing one or more programs for processing the customer energy data; executing the programs with the customer energy data as input to produce output that includes estimated energy consumption data, while providing security for the program data from access by the first system and any third party and while providing security for the customer energy data and the estimated energy consumption data from access by the second system and any third party; and providing the estimated energy consumption data as output (i) to the first system or (ii) to the customer or (iii) both.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: March 8, 2022
    Assignee: X Development LLC
    Inventors: Joel Fraser Atwater, Peter Light
  • Patent number: 11233772
    Abstract: Systems and methods are disclosed for cross-platform token exchange. One method comprises receiving a primary token exchange request from an upstream entity, generating an ancillary detokenization request based on the primary token exchange request, and transmitting the ancillary detokenization request to an input token vault. An ancillary detokenization response comprising sensitive data may then be received from the input token vault, and one or more ancillary tokenization requests may be generated based on the ancillary detokenization response and the primary token exchange request. The one or more ancillary tokenization requests may be transmitted to one or more output token vaults. Subsequently, one or more ancillary tokenization responses may be received from the one or more output token vaults, each ancillary tokenization response comprising an output token.
    Type: Grant
    Filed: November 27, 2019
    Date of Patent: January 25, 2022
    Assignee: Worldpay, LLC
    Inventors: Stephen E. Dinan, James S. Osborn, William J. Wied
  • Patent number: 11210670
    Abstract: A method including collecting transactional information from a mobile application on the mobile device. The mobile device can be used by a user to initiate an activity at a risk moment. The method also can include aggregating a set of risk signals. The method additionally can include obtaining a first set of risk rules for a model specific to the activity requested by the user. Each risk rule of the first set of risk rules can define weights when the risk rule is triggered based on one or more risk signals of the set of risk signals. The method further can include executing a risk engine using the first set of risk rules for the model and using the set of risk signals to generate a risk score. The risk score can be based on the weights of triggered risk rules of the first set of risk rules. The method additionally can include generating a disposition based on a comparison of the risk score to one or more predefined thresholds scores for the model.
    Type: Grant
    Filed: February 28, 2018
    Date of Patent: December 28, 2021
    Assignee: EARLY WARNING SERVICES, LLC
    Inventors: Ravi Loganathan, Ronald Scott Alcorn, Michael J. Huffman, Gregory D. Slowiak, Angela M. Montoya
  • Patent number: 11178259
    Abstract: Methods and apparatus for efficient data transfer within a user space network stack. Unlike prior art monolithic networking stacks, the exemplary networking stack architecture described hereinafter includes various components that span multiple domains (both in-kernel, and non-kernel). For example, unlike traditional “socket” based communication, disclosed embodiments can transfer data directly between the kernel and user space domains. Direct transfer reduces the per-byte and per-packet costs relative to socket based communication. A user space networking stack is disclosed that enables extensible, cross-platform-capable, user space control of the networking protocol stack functionality. The user space networking stack facilitates tighter integration between the protocol layers (including TLS) and the application or daemon. Exemplary systems can support multiple networking protocol stack instances (including an in-kernel traditional network stack).
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: November 16, 2021
    Assignee: Apple Inc.
    Inventors: Cahya Adiansyah Masputra, Sandeep Nair, Karan Sanghi, Mingzhe Zhang, Jason McElrath
  • Patent number: 11157868
    Abstract: This disclosure includes various methods and systems for automatically identifying product substitutes based on correlating product attributes to attributes of products in a subset of possible product pairs that are identified as substitute pairs.
    Type: Grant
    Filed: November 20, 2013
    Date of Patent: October 26, 2021
    Assignee: HOME DEPOT PRODUCT AUTHORITY, LLC
    Inventors: William Dudziak, Jared T. Sears
  • Patent number: 11139986
    Abstract: Methods, devices, and systems are provided for approving a transaction through an exchange of presented user contextual approval information and approval decryption. The user contextual approval information is generated by a user during a transaction, cryptographically signed, and provided to a transaction server. The user contextual data uniquely describes the transaction to the user and can be employed to aid a user in approving or validating the transaction in a subsequent approval action. In particular, a transaction may present the contextual approval information to a user in the form of an approval challenge message. The approval challenge message may be sent to a known user device via the transaction server in the form of a text or multi-media message. The user may respond to the message with an approval or denial response.
    Type: Grant
    Filed: February 7, 2020
    Date of Patent: October 5, 2021
    Assignee: ASSA ABLOY AB
    Inventors: Milan Khan, François-Eric Michel Guyomarc'h, James William Holland
  • Patent number: 11042535
    Abstract: Using a blockchain transaction acceleration system, a first transaction generated by a first node is sent to an acceleration node in a blockchain, where the first transaction is sent to the acceleration node instead of being sent directly to a second node that is the intended recipient of the first transaction, and where the first node, the second node, and the acceleration node are different nodes. The blockchain transaction acceleration system forwards the transaction from the acceleration node to the second node. The blockchain transaction acceleration system executes the transaction by the second node.
    Type: Grant
    Filed: April 1, 2020
    Date of Patent: June 22, 2021
    Assignee: Advanced New Technologies Co., Ltd.
    Inventor: Ning Xia
  • Patent number: 10887741
    Abstract: A method of provisioning wireless communication service to wireless communication devices. The method comprises allocating telephone numbers to a first plurality of devices, allocating the same telephone numbers to a second plurality of devices, transmitting an eSIM provisioning data bundle in a short message service (SMS) message to the first plurality of devices by a first communication network routing node based on the corresponding one of the plurality of telephone numbers, transmitting an eSIM provisioning data bundle in a SMS message to the second plurality of devices by a second communication network routing node based on the corresponding one of the plurality of telephone numbers, wherein the first communication network routing node routes SMS messages in a first region and the second communication network routine node routes SMS messages in a second region, whereby a single telephone number is leveraged by two different devices located in different regions.
    Type: Grant
    Filed: March 17, 2020
    Date of Patent: January 5, 2021
    Assignee: Sprint Communications Company L.P.
    Inventor: Dhananjay Indurkar
  • Patent number: 10846671
    Abstract: Embodiments of the present invention provide a credit control method, a policy and charging enforcement function entity, and an online charging system. The method includes: if an OCS determines that a service borne by a second bearer may share a credit pool with a service borne by a first bearer, sending a second quota allocated to the second bearer and a credit pool identifier corresponding to the first bearer to the PCEF, so that the PCEF stores the second quota and a first quota in a same credit pool, so that the second bearer and the first bearer use the same credit pool, thereby implementing sharing of the credit pool between IP-CAN bearers and even between IP-CAN sessions, and ensuring smoothness of a service.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: November 24, 2020
    Assignee: Huawei Technologies Co., Ltd.
    Inventors: Hua Qing, Chong Zhang
  • Patent number: 10838646
    Abstract: A memory module or a storage device comprises a volatile memory subsystem, a non-volatile memory subsystem, and a controller coupled to the volatile memory subsystem and to the non-volatile memory subsystem. The memory module or storage device further comprises a data selection circuit that pre-search data from the non-volatile memory with respect to one or more search criteria received from a computer system to pre-select data relevant to the one or more search criteria for loading into the volatile memory subsystem.
    Type: Grant
    Filed: August 24, 2015
    Date of Patent: November 17, 2020
    Assignee: NETLIST, INC.
    Inventor: Hyun Lee
  • Patent number: 10826773
    Abstract: Embodiments of the invention may relate to methods, systems, and/or non-transitory computer readable mediums for sidelining Such sidelining may include making a first determination, by a first network device, that a first network device state has degraded and making a first request, based on the first determination, to receive a first sideline token from a network controller. The network controller, in response to the first request, may make a second determination that a remaining sideline token is available. The method may also include receiving, by the first network device and based on the second determination, the remaining sideline token from the network controller and initiating, by the first network device, a graceful offlining based on receiving the remaining sideline token.
    Type: Grant
    Filed: March 25, 2019
    Date of Patent: November 3, 2020
    Assignee: Arista Networks, Inc.
    Inventors: François Labonté, Kenneth James Duda, Hugh W. Holbrook
  • Patent number: 10762480
    Abstract: Integrating payment processing functionality into a third-party application via software development kit (SDK) instructions is described. In an example, a payment card reader can include reader instructions executable on the payment card reader to configure the payment card reader to read payment card data from a payment card and transmit the payment card data to a mobile device for processing by SDK instructions on the mobile device. The SDK instructions can be executable on the mobile device to configure the mobile device to process the payment card data from the payment card reader. The SDK instructions, which can be provided by a payment processor, can be configured to be integrated into a third-party payment application on the mobile device, wherein the third-party payment application is provided by an entity distinct from the payment processor.
    Type: Grant
    Filed: April 26, 2019
    Date of Patent: September 1, 2020
    Assignee: Square, Inc.
    Inventors: Jonathan Andrew Wolter, Pierre-Yves Ricau, Robert Dickerson
  • Patent number: 10732793
    Abstract: An electronic device and method are provided for displaying information in the electronic device. The electronic device includes a display; and a processor configured to display an application (App) bar including at least one object through a first area of the display, display an execution screen through a second area of the display, and change at least one of the displayed App bar and the displayed execution screen, in response to a first user input received through the first area.
    Type: Grant
    Filed: April 18, 2016
    Date of Patent: August 4, 2020
    Assignee: Samsung Electronics Co., Ltd.
    Inventors: Jihyun Park, Gwanghui Lee, Yongjoo Shin, Yongju Yu, Yongseob Yun, Juyeong Lee
  • Patent number: 10719896
    Abstract: The present invention relates to systems, methods and computer program products for an a la carte amenity, special service, food/beverage and accommodation feature search and booking engines. Aspects of the present invention allow customers to identify, via arbitrary search, amenities and/or special services (including food/beverage) available at lodging facilities, restaurants clubs/lounges/bars, dwellings and travel accommodation venues. Customers are thereby presented with goods and services matching or related to their query items and are permitted to select and confirm desired feature options and book, reserve or purchase their selection; optionally including the booking of an accommodation such as a room or table at a restaurant as well.
    Type: Grant
    Filed: September 15, 2014
    Date of Patent: July 21, 2020
  • Patent number: 10555141
    Abstract: Example implementations relate to network device subscription management. For example, a non-transitory machine-readable medium may store instructions executable by a processor to cause the processor to receive a selection of a network device for subscription management, and receive a selection of a service subscription for the network device and a duration of the service subscription. Moreover, the system may include instructions to determine a service subscription token value based on the selection of the network device, the service subscription, and the duration of the service subscription, and provision the network device with the service subscription for the duration responsive to allocation of the determined service subscription token value.
    Type: Grant
    Filed: October 31, 2016
    Date of Patent: February 4, 2020
    Assignee: HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP
    Inventor: Gokul Rajagopalan
  • Patent number: 10542002
    Abstract: Embodiments include methods, and systems and computing devices configured to implement the methods of authenticating a computing device. A processor of a first computing device may obtain a transitory identity and may send the transitory identity to a second computing device and a third computing device. A processor of the second computing device may send the transitory identity to the third computing device with a request to authenticate the first computing device. The processor of the third computing device may authenticate the identity of the first computing device in response to determining that the transitory identity received from the first computing device matches the transitory identity received from the second computing device.
    Type: Grant
    Filed: May 31, 2018
    Date of Patent: January 21, 2020
    Assignee: InfoSci, LLC
    Inventors: John Ellingson, Thomas Charles Ottoson
  • Patent number: 10521782
    Abstract: A system for and method of performing a transaction between a consumer (105) and a business entity (110). The method comprising the acts of priding transaction data from a submitter (105) to a transaction facilitator (120), generating a token (130) that identifies the transaction data, storing the transaction data and the token at the transaction facilitator (120), providing the token to the submitter (105), returning the token (130) to the transaction facilitator, obtaining the stored transaction data identified by the token, and using at least a portion of the obtained transaction data to implement the transaction.
    Type: Grant
    Filed: April 12, 2001
    Date of Patent: December 31, 2019
    Assignee: EFUNDS CORPORATION
    Inventors: Kevin Gilbert, Scott R. Statland, Susan M. Kelling, Ian A. Lumsden, Chuck J. Bram
  • Patent number: 10460309
    Abstract: Methods, apparatuses and systems of payment verification are disclosed. A method includes receiving a request for connecting to a receiver access point (AP) from a terminal of a payer to be verified and geographical location information of the receiver AP, verifying whether account information included in the request matches with pre-stored payment account information; returning a verification result to the receiver AP; receiving a payer terminal geographical location information verification request from a payment server if the verification result indicates a match; verifying geographical location information of the terminal of the payer to be verified based on the geographical location information of the receiver AP; and returning a verification result of the payer terminal geographical location information verification request to the payment server. The method increases the security of a payment process and prevents a legitimate user from suffering financial losses and unnecessary troubles.
    Type: Grant
    Filed: September 23, 2015
    Date of Patent: October 29, 2019
    Assignee: Alibaba Group Holding Limited
    Inventors: Yang Yu, Ke Wu
  • Patent number: 10296908
    Abstract: A method for secure payment transactions over a network between a support help desk computing system and a customer computing system is provided. The method includes establishing a chat session between the help desk and the customer using a chat application program; receiving a purchase order from the customer; communicating a unique URL payment link to the customer, wherein the URL payment link is configured for allowing the customer to establish communication with an order processing system to provide sensitive payment information to the order processing system; receiving the sensitive payment information at the order processing system communicated from the customer; encrypting the sensitive payment information; providing the encrypted sensitive payment information to the help desk, wherein the encrypted sensitive payment information is displayed in a masked format on a display of the help desk; and completing the purchase order using the encrypted sensitive payment information.
    Type: Grant
    Filed: March 23, 2018
    Date of Patent: May 21, 2019
    Assignee: Sutherland Global Services, Inc.
    Inventors: Surya S. Narayanan, Natarajan Kumaravelu, Srinivasa Rao Madala, K Pazhanisamy, Ramkrishnan Nk
  • Patent number: 10235669
    Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.
    Type: Grant
    Filed: May 12, 2014
    Date of Patent: March 19, 2019
    Assignee: Amazon Technologies, Inc.
    Inventors: Matthew W. Amacker, Philip Yuen, Diwakar Gupta, Chih-Jen Huang
  • Patent number: 10169459
    Abstract: An intelligent collecting and sharing method and a mobile terminal are provided. The method comprises: acquiring a type of a content currently browsed; if a collecting command triggered by the user is received, then classifying the content according to the type of the content currently browsed and storing the critical information of the currently browsed into a local favorites folder according to a save format corresponding to type of the content so that the content can be sorted and collected by the user; if a sharing command triggered by the user is received, then opening the local favorites folder automatically so that the user searches for the content to be shared in the local favorites according to the type, copying and pasting the critical information corresponding to the content to be shared for purpose of sharing.
    Type: Grant
    Filed: April 2, 2014
    Date of Patent: January 1, 2019
    Assignee: HUIZHOU TCL MOBILE COMMUNICATION CO., LTD.
    Inventors: Wen Qian, Hongwei Qiao
  • Patent number: 10135921
    Abstract: A method and apparatus is presented for announcing the existence of cryptographic key pairs within a distributed ledger system in which no central trusted authority is available, consisting of sending a key announcement message by a network connected device to other network connected devices over a peer-to-peer network for inclusion in the distributed ledger. Once a valid key announcement message for a public key is included in the ledger, any future transactions that reference an address associated with the public key or other messages concerning said public key are accepted by other network connected devices on the peer-to-peer network and are included in the distributed ledger. If transactions or other messages reference an address not associated with an announced public key, they may be rejected by the peer-to-peer network and may not be included in the distributed ledger.
    Type: Grant
    Filed: September 20, 2016
    Date of Patent: November 20, 2018
    Inventor: Keir Finlow-Bates
  • Patent number: 9953320
    Abstract: A method for secure payment transactions over a network between a support help desk computing system and a customer computing system is provided. The method includes establishing a chat session between the help desk and the customer using a chat application program; receiving a purchase order from the customer; communicating a unique URL payment link to the customer, wherein the URL payment link is configured for allowing the customer to establish communication with an order processing system to provide sensitive payment information to the order processing system; receiving the sensitive payment information at the order processing system communicated from the customer; encrypting the sensitive payment information; providing the encrypted sensitive payment information to the help desk, wherein the encrypted sensitive payment information is displayed in a masked format on a display of the help desk; and completing the purchase order using the encrypted sensitive payment information.
    Type: Grant
    Filed: March 20, 2015
    Date of Patent: April 24, 2018
    Assignee: Sutherland Global Services, Inc.
    Inventors: Surya S. Narayanan, Natarajan Kumaravelu, Srinivasa Rao Madala, K Pazhanisamy, Ramkrishnan Nk
  • Patent number: 9906826
    Abstract: A system that incorporates teachings of the present disclosure may include, for example, a server having a controller configured to identify audio content of interest associated with an audio portion of a media program. Alternate audio content is identified. Responsive to a detection of the audio content of interest within a textual representation of the audio portion, an indicator including a pointer is inserted into the media program. The pointer points to the alternate audio content and is inserted at a start point of the occurrence of the audio content of interest within the media program. The alternate audio content is retrieved based on the pointer and substituted with the alternate audio content beginning at the start point. Other embodiments are disclosed.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: February 27, 2018
    Assignee: AT&T Intellectual Property I, L.P.
    Inventors: Jerald R. Howcroft, Michael Raftelis
  • Patent number: 9894485
    Abstract: A method and apparatus for location sharing, consisting of sending a location report by a location determining device to a plurality of network enabled devices over a peer-to-peer network, the location determining device being associated with a first digital key pair. A first of the plurality of network enabled devices, associated with a second digital key pair, performs a validation computation on the location report and submits a validation computation result and the location report to a remainder of the plurality of network enabled devices for inclusion in a shared ledger. Including the location report creates commercially-valued credits associated with the public key of the second digital key pair recorded in the shared ledger. A transfer of commercially-valued credits from association with the first public key of the first digital key pair to the public key of the second digital key pair is also recorded in the shared ledger.
    Type: Grant
    Filed: December 28, 2015
    Date of Patent: February 13, 2018
    Inventor: Keir Finlow-Bates
  • Patent number: 9858401
    Abstract: Methods and systems are provided for performing a secure transaction. Users register biometric and/or other identifying information. A registration code and an encryption key are generated from the biometric information and/or information obtained from a unpredictable physical process and are stored in a secure area of a device and also transmitted to a service provider. A transaction passcode generator may be computed based on the stored registration code. In at least one embodiment, a unique transaction passcode depends upon the transaction information, so that on the next step of that transaction, only that unique transaction passcode will be valid. In an embodiment, the passcode includes the transaction information. In at least one embodiment, if the transaction information has been altered relative to the transaction information stored in the device's secure area, then the transaction passcode sent during this step will be invalid and transaction may be aborted.
    Type: Grant
    Filed: July 4, 2012
    Date of Patent: January 2, 2018
    Assignee: Biogy, Inc.
    Inventor: Michael Stephen Fiske
  • Patent number: 9805347
    Abstract: A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID.
    Type: Grant
    Filed: October 8, 2008
    Date of Patent: October 31, 2017
    Assignee: VISA USA, INC.
    Inventor: Simon J. Hurry
  • Patent number: 9720710
    Abstract: Embodiments relate to systems, devices, and computer-implemented methods for provisioning, managing, and executing tasks. An agent program can be configured to receive task data, determine a task definition corresponding to the task data, retrieve the task definition, and execute the task definition using the task data. The agent program can additionally be configured to set a time-to-live for the task definition and locally delete the task definition when the time-to-live elapses.
    Type: Grant
    Filed: August 18, 2015
    Date of Patent: August 1, 2017
    Assignee: RAYTHEON, INC.
    Inventors: Rajesh Maramana Purushothaman, Anin Kurishummoottil Mathen
  • Patent number: 9536250
    Abstract: A method and a system are provided for blending advertiser data with ad network data in order to serve finely targeted ads. In one example, the system receives campaign information from one or more advertisers. The campaign information includes at least one of a budget, criteria, and a creative. The system receives a notification from a user device about an available ad spot on a webpage for display at a browser running on the user device. The system receives data from an advertiser. The data from the advertiser pertains to managing an ad to be sent to the user device to fill the ad spot on the webpage. Then, the system combines the data from the advertiser with data from an ad network to obtain combined data. The ad network is configured for managing at least part of an ad campaign. The advertiser is also configured for managing at least part of the ad campaign.
    Type: Grant
    Filed: December 20, 2010
    Date of Patent: January 3, 2017
    Assignee: Excalibur IP, LLC
    Inventor: Sreenivasulu Jaladanki
  • Patent number: 9529725
    Abstract: [Object] To provide a technology for realizing an environment in which a user can play a game comfortably. [Solving Means] A download executing block 104 obtains a digital content from a server connected to a network. A recording processing block 106 records the digital content in an auxiliary storage device 2. The digital content is constituted of a plurality of files. Each file belongs to at least one of a plurality of groups, and at least one file belongs to each group. A determining block 108 determines where a file is recorded in the auxiliary storage device 2 in group units.
    Type: Grant
    Filed: January 13, 2014
    Date of Patent: December 27, 2016
    Assignees: Sony Corporation, Sony Interactive Entertainment Inc.
    Inventors: Takeshi Hashimoto, Masaki Takahashi, Hideya Muraoka, Naoto Okino, Andrew R. Thaler, Tomoyuki Suzuka
  • Patent number: 9363100
    Abstract: The invention relates to an access system for establishing a connection between a plurality of subscribers and a plurality of service providers, wherein the access system comprises a plurality of partitions each having a number of resources, each partition being suitable for allocation to one of said plurality of service providers and each partition comprising at least one subscriber port, at least one uplink and a forwarding means between said at least one subscriber port and said at least one uplink, wherein the access system is arranged to communicate with a managing operator for managing said plurality of partitions.
    Type: Grant
    Filed: August 6, 2008
    Date of Patent: June 7, 2016
    Assignee: Alcatel Lucent
    Inventors: Danny Goderis, Stefaan Vanhastel