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Dynamic Card Art Service, Ranjiva Prasad, Pratomchai Pusakolcharoensak, Mathieu Andre Guy Altwegg, Samuel Oliver, Nahom Beyene
Dynamic Card Art Service, Ranjiva Prasad, Pratomchai Pusakolcharoensak, Mathieu Andre Guy Altwegg, Samuel Oliver, Nahom Beyene
Defensive Publications Series
The present disclosure provides a system and a method for implementing a dynamic card art service. The disclosure proposes using a dynamic card art platform, associated with a digital transaction service, to provide contextualized dynamic card art that is interactable. The card art provides a context related to a digital transaction. The platform receives transaction information from the client and parses the request to determine required data items. Cardholders may interact with the card art to make real-time payment preferences and/or decisions. The platform uses a data acquirer to connect with data sources to acquire the data items. Furthermore, the …
Obo (On Behalf Of) Multi Factor Authentication, Bhanu Pratap Seth Visa, Sangeeta Patnaik Visa, Bipul Bushan Jha Visa, Kanika Dureja Visa, Suresh Kalakrishnan Visa
Obo (On Behalf Of) Multi Factor Authentication, Bhanu Pratap Seth Visa, Sangeeta Patnaik Visa, Bipul Bushan Jha Visa, Kanika Dureja Visa, Suresh Kalakrishnan Visa
Defensive Publications Series
The present disclosure relates to an authentication method to enable a person to authenticate transaction on behalf of the cardholder. On behalf of (OBO) authentication allows the card holder to designate an authorized user to authenticate on behalf of them for multi factor authentication, login or any other operation. When the cardholder initiates the transaction, a request to authorize the transaction may be sent to the authorized user, and the authorize user may approve the transaction on behalf of the cardholder.
Real Time Settlement Of Card Transactions To Enable Instant Payments To Merchants, Alok Roy Visa, Sudip Kumar Manna Visa
Real Time Settlement Of Card Transactions To Enable Instant Payments To Merchants, Alok Roy Visa, Sudip Kumar Manna Visa
Defensive Publications Series
The present invention provides a system and method for establishing an authorization process and real time settlement of card based payment transactions between an acquirer 113 and a seller 120 through an issuer 112 via payment networks 111. The acquirer 113 undergoes an authorization process for accepting card payments that involves sending an authorization request (114a, 114b, 114c) and receiving an authorization response (115a, 115b, 115c) for card transactions between the acquirer 113, the payment network 111, the issuer 112, and the seller 120, where the authorization response (115a, 115b, 115c) is an approval or decline of authorization for the …
A Method And System For Facilitating Customers On E-Commerce Websites To Do Financial Contributions, Mohamed Ajimal Nambiarkandy Abdulla Kunhi, Weiping Li
A Method And System For Facilitating Customers On E-Commerce Websites To Do Financial Contributions, Mohamed Ajimal Nambiarkandy Abdulla Kunhi, Weiping Li
Defensive Publications Series
The present disclosure relates to a method and a system for facilitating customer on eCommerce websites to do financial contributions to an appropriate donation drive provided by a merchant. The system includes a merchant, a customer, payment network, a donation drive enabler, and a payment interface. The customer on purchasing through a merchant application initialize a transaction and probes the donation drive enabler to retrieving a donation drive created using the rules engine and display it to the customer on the merchant application. The customer may donate a certain amount to the donation drive while doing the checkout process in …
Automatic Side-By-Side View For Web Applications That Refer To External Content, N/A
Automatic Side-By-Side View For Web Applications That Refer To External Content, N/A
Defensive Publications Series
In many contexts, such as legal removal requests, price comparison, etc., users that view online content in a browser need to switch between a main tool (e.g., a legal removals tool) and other content (e.g., content for which a complaint is received). Such switching imposes a significant burden on the user and can lead to errors. This disclosure describes a browser extension/plug-in that provides an “in-context review” button that, upon selection by a user, opens the URL (e.g., content that is subject of a complaint) in a second browser window that is displayed adjacent to the main window, e.g., that …
A Method For Frictionless Signature-Based High-Risk Permissions Management On Computing Devices And System Thereof, John Markh
Defensive Publications Series
The present disclosure provides a method for frictionless signature-based high-risk permissions management on computing devices. The method includes an onboarding process involving the inclusion of new software vendors by the OS or MDM vendor, a process that verifies vendor legitimacy and the necessity of their access to sensitive resources. During onboarding, the OS or MDM vendor generates an "upload key," securely provided to the software vendor, and an "app signing key," securely retained within the vendor's Key Management System (KMS). Further, the method includes releasing or publishing applications to a digital distribution service managed by the OS or MDM vendor …
Clustering Of Network Devices To Form A Virtual Network Service Control Plane, Prakash C Jain, Sameer Subhash Nayak, Gene Clendon, Ishani Sahay, Vivek Jain, Rajan Jeyachandran
Clustering Of Network Devices To Form A Virtual Network Service Control Plane, Prakash C Jain, Sameer Subhash Nayak, Gene Clendon, Ishani Sahay, Vivek Jain, Rajan Jeyachandran
Defensive Publications Series
Enterprise networks often consist of multiple sites that often operate in a hierarchical manner for routing traffic among the sites, as well as to/from external networks. With the deployment of enterprise or hybrid cloud services within enterprise networks, such as cloud productivity services, communication services, etc. many policies, security, and/or performance requirements have to be met that often depend on the knowledge of sources and destinations, including their user/group information, security information, credentials, etc. However, it is often difficult to aggregate such information to scale in an end-to-end manner, similar to routing prefixes, as it can be difficult to store …
Preference Token For Communicating User Preferences To Public Or Shared Devices, Peter Lewis, Paula Marques
Preference Token For Communicating User Preferences To Public Or Shared Devices, Peter Lewis, Paula Marques
Defensive Publications Series
Many public domain digital information systems allow guest users to view information, access shared hardware such as printers, etc. However, such access does not take into account user preferences such as font/text size or language for information display, printing preferences, etc. This provides a suboptimal experience to users, e.g., that may not read the displayed language, may prefer larger or smaller text, etc. This disclosure describes the use of a mobile device to provide user preferences via a token that encodes the user preferences. The token is broadcast by the mobile device and the information is received by a public …
Unified Payments Platform For Businesses, Nagaraju Shiramshetti, Bhanu Koppaka, Ravi Mallajosyula
Unified Payments Platform For Businesses, Nagaraju Shiramshetti, Bhanu Koppaka, Ravi Mallajosyula
Defensive Publications Series
Businesses provide a variety of payment options, but this can make it difficult to streamline the payment infrastructure. This can restrict the ability of businesses to offer customized financial solutions to their customers. This disclosure describes a unified payments platform that integrates with other payment systems and is an interface to business customers to integrate it. The platform provides businesses with a unified view of customer order history and invoices, irrespective of payment services selected. It also offers features such as trial periods, discounts/ cashback, subscriptions/ loyalty programs, and cost estimates. Additionally, the platform can provide notification services with preconfigured …
Electromyography Device For User Authentication
Electromyography Device For User Authentication
Defensive Publications Series
A method and system for user authentication. The method includes receiving input data from an electromyography (EMG) sensor included in a client device worn by a user. The method includes extracting an EMG signal from the input data received as the user performs a task. The method includes identifying features of the task based on the EMG signal. The method includes determining whether the features of the task match features of a reference task stored on the client device. The method includes determining whether the user embeddings extracted from the EMG signal match reference embeddings corresponding to the reference task. …
Transmitting View-Once Content In Messaging Platform
Transmitting View-Once Content In Messaging Platform
Defensive Publications Series
A method and system for transmitted view-once (VO) documents, such as a PDF, through a messaging platform, or the like, is provided. The method includes receiving a document, wherein the document is uploaded to the messaging platform on a first user device. The method also includes determining that the document is to be transmitted as a VO message, encrypting the document, based on the determining that the document is to be transmitted as a VO message, using a unique encryption key, transmitting the encrypted document to one or more second user devices, and decrypting the transmitted document at the one …
Hardware-Assisted Secure Http Url Generation For Downloading Large Files To Edge Gateways, Nikhil Mathur, Poornima Kandhade
Hardware-Assisted Secure Http Url Generation For Downloading Large Files To Edge Gateways, Nikhil Mathur, Poornima Kandhade
Defensive Publications Series
Updating the software on edge Internet of things (IoT) gateways, at scale, requires enhanced levels of resiliency in the communication protocols and exchange mechanisms. Such devices may be deployed on unreliable networks with limited bandwidth. Consequently, such a device may need to complete a number of file retrieval retry operations (over, for example, the public Internet using the Hypertext Transfer Protocol (HTTP) and a secure Uniform Resource Locator (URL)) over a long period of time to successfully download all of the different pieces of a relatively large software image. Techniques are presented herein that allow a cloud to configure a …
Method And System For Creating A Database 2 (Db2) Connector Support In A Datahub, Deepak Garg, Harsimran Singh, Jayachandra Adusumalli
Method And System For Creating A Database 2 (Db2) Connector Support In A Datahub, Deepak Garg, Harsimran Singh, Jayachandra Adusumalli
Defensive Publications Series
The present disclosure relates to a method and a system for creating a Database 2 (Db2) connector support for a datahub. The present disclosure suggests obtaining the input data sources from a Db2 database. Thereafter, the obtained data sources are ingested into the datahub. Subsequently, a metadata change proposal is generated based on the Db2 sources. Further, the generated metadata change proposal is sent to the datahub though the data sinks, wherein the data sinks include REST API and Kafka.
Context-Based Selective Content Co-Consumption Experience In A Smart Home, Ramprasad Sedouram, Puneetha Pai B. P.
Context-Based Selective Content Co-Consumption Experience In A Smart Home, Ramprasad Sedouram, Puneetha Pai B. P.
Defensive Publications Series
Interactive digital displays in a user’s home can be configured to showcase photos, videos, and other content from the user’s personal library. However, display of such content may be unsuitable when strangers visit the home. This disclosure describes techniques to detect the likely presence of a stranger and/or a known individual within a home and to configure smart devices accordingly to restrict display of personal information, and to generate and show content relevant to the known person. The techniques can provide a customized content consumption experience that is aware of the user’s context. The selected content can be displayed via …
Equalauth: Fair And Secure Biometrics For All Abilities, Sahil Arora
Equalauth: Fair And Secure Biometrics For All Abilities, Sahil Arora
Defensive Publications Series
The present disclosure relates to a behavioral biometric based authentication system. User device sends user data associated with a user to a system. The user data includes behavioral biometric data such as keystroke dynamics, mouse movements, touchscreen interactions, voice patterns, device handling and the like. The system identifies a disability based on the user data and extracts a pre-trained model associated with that specific disability from any one of: database and model repository. The model is further trained using the user data to generate and store a user profile. The user sends an authentication request during processing of a user …
System And Method For Enabling Identification (Id) Card For Transactions, Jenny Abraham, Aishwarya Chembilathel Ramachandran
System And Method For Enabling Identification (Id) Card For Transactions, Jenny Abraham, Aishwarya Chembilathel Ramachandran
Defensive Publications Series
The present disclosure provides a method and system for enabling Identification (ID) card for transactions. The system of the present disclosure provides an application through which an individual login using their ID card. Upon login, income details of the individual are self-declared in the application. Further, the system of the present disclosure categorises the individual based on the income and provides options of issuers/Fintech that may service this income group category. Further, once an issuer/Fintech is identified, the ID card is linked to a bank account. In the application, an e-wallet is also configured that allows easy transfer of funds …
A Method To Classify Consumers Based On Consumer Spending Pattern, Jyothi Jayakumar
A Method To Classify Consumers Based On Consumer Spending Pattern, Jyothi Jayakumar
Defensive Publications Series
The present disclosure relates to a method and a system for creating inferred attributes using spend bands and/or basket size of spending. The basket size range may be generated by multiplying an index and range size along each spending group, wherein the spending groups are assigned based on the amount spent by the consumers to purchase one or more items. The present disclosure suggests preparing the input data obtained from a data input device to estimate the age of the consumers. Thereafter, an inferred attribute, that is, inferred age groups are created using spend bands and/or basket size of the …
Universal Remote Keyboard With Fingerprint Sensor And Router Capability, George Chuang, Yann-Cherng Chern
Universal Remote Keyboard With Fingerprint Sensor And Router Capability, George Chuang, Yann-Cherng Chern
Defensive Publications Series
Smart TVs and streaming devices can support installing and using multiple applications. However, to login or authenticate to such applications, users currently need to operate a virtual keyboard via a conventional remote control, which is cumbersome. Also, while many smart home devices support different user-specific settings, authenticating to such devices can be difficult. This disclosure describes a physical keyboard with a fingerprint sensor that can act as a TV controller. The user can simply authenticate via the fingerprint sensor to access their user profile and applications on the TV. The keyboard can also act as a router/ authentication device to …
Virtual Reality-Based Home Visualization And Interaction, Sean Zarringhalam
Virtual Reality-Based Home Visualization And Interaction, Sean Zarringhalam
Defensive Publications Series
The disclosure describes virtual reality (VR) techniques to create a virtual home for visualizing an appearance and functionality of a home setup. Per the techniques, a home can be visualized in virtual reality before completion or at any later time. The techniques, which can be implemented in a smart home application, enable users to preview furniture, appliances, etc. as placed within their virtual home. The user can virtually place furniture in their homes, examine different furniture placement styles and make an informed decision before making a purchase. The techniques also enable testing smart home device automation behaviors in the virtual …
Using Neural Machine Translation To Translate Between Different Sign Language Forms During A Video Conference, Anusha Kopparam, Ananthi Jairaj, Vinay Kumar Abburi, Donald M Allen, Phd
Using Neural Machine Translation To Translate Between Different Sign Language Forms During A Video Conference, Anusha Kopparam, Ananthi Jairaj, Vinay Kumar Abburi, Donald M Allen, Phd
Defensive Publications Series
Techniques are presented herein that support the efficient conversion of signs from one form of sign language to another while considering the cultural context (e.g., dialect, etc.) of a sign language. Aspects of the presented techniques support the conversion between different sign language forms through a neural machine translation (NMT)-based architecture. Further aspects of the techniques may encompass a contextual frame sampler (which may employ a sign language image database to filter out noise and which may sample frames from an input sign language video), an image normalizer (that may accept as input a sampled image frame and produce as …
Sheathed Optical Passive Devices For Shielding And Parasitic Mode Absorption, Anonymous
Sheathed Optical Passive Devices For Shielding And Parasitic Mode Absorption, Anonymous
Defensive Publications Series
The present disclosure relates to optical communication and particularly to sheathed optical passive devices for shielding and parasitic mode absorption. The present disclosure includes a new design and fabrication method to generate passive optical waveguides and devices encompassing a better control on parasitic effects, including (1) lateral absorbers which are designed at specific regions from the waveguide edge so that no interaction occurs with the signal, while suppressing parasitic modes, (2) metal vias and plates connected to Si slabs so that a thermomechanical protective shield is fabricated around passive optical devices, and (3) design and fabrication methods which are compatible …
Llm And Generative Ai Suggested Contextually Relevant Images In A Conversation, Daniel Biran
Llm And Generative Ai Suggested Contextually Relevant Images In A Conversation, Daniel Biran
Defensive Publications Series
Response suggestions to incoming messages is a popular feature of email and chat/messaging applications. However, while such applications support insertion of images, current response suggestion mechanisms are limited to text. Inserting a suitable image in a conversation currently requires the user to search for a suitable image and copy or download it. This disclosure describes the use of a large language model (LLM) to suggest contextually appropriate images that users can insert quickly within their conversational responses. With user permission, recent conversation history is analyzed by the LLM to identify and suggest contextually appropriate images relevant to the conversation based …
Usage Of Nft As An Instrument Of Stored Value At A Product Level And As Payment Means, Edmar Soriano, David Nissly, Peter Rhee
Usage Of Nft As An Instrument Of Stored Value At A Product Level And As Payment Means, Edmar Soriano, David Nissly, Peter Rhee
Defensive Publications Series
The present disclosure relates to (1) a system and a method of using NFTs as an instrument of stored value at a product level, (2) a system and a method of processing of payments by a POS from an NFT-enabled multichannel wallet, and (3) a system and a method of processing of payments by the POS in a processing order set by a consumer in an NFT-enabled multichannel wallet. The first method discloses a consumer purchasing product values from a merchant. Upon purchasing, the merchant sends the NFTs to the consumer. In response to receiving the NFTs from the merchant, …
Heterogeneous Gaze Tracking Sensor Systems, Methods, And Devices, Yatong An, Youmin Wang, Gaetano Aiello
Heterogeneous Gaze Tracking Sensor Systems, Methods, And Devices, Yatong An, Youmin Wang, Gaetano Aiello
Defensive Publications Series
Systems, methods, devices, and computer program products are provided for eye tracking and gaze pattern determinations using heterogeneous sensor systems. A first sensor system may track movement of a first eye, and a second sensor system may track movement of a second eye, wherein the second sensor system applies a different tracking method than the first sensor system. Tracking information received from the first sensor and the second sensor may be correlated to determine a gaze motion pattern, such as a three-dimensional motion pattern. The heterogeneous nature of the sensors enables realization of numerous advantages, including but not limited to …
Safety Glasses To Aid Attention Focus
Safety Glasses To Aid Attention Focus
Defensive Publications Series
Methods, devices, and systems for aiding attention focus are described herein. In one aspect, a method can include receiving, from a sensor of a pair of eyeglasses, status information corresponding to a user of the pair of eyeglasses; determining, from the status information, the user is experiencing an unsafe condition; and transmitting an alert, via the pair of eyeglasses, to the user based on the determining.
Data Batching For Reduction Of Transmission Bursts, Siddharth Ray, Amit Shukla
Data Batching For Reduction Of Transmission Bursts, Siddharth Ray, Amit Shukla
Defensive Publications Series
A method for reducing power consumption and thermals of a network interface card by batching network traffic is disclosed. An aspect of the subject technology may include receiving a first control signal, closing a gate corresponding to a buffer in response to the first control signal, receiving one or more data packets with the buffer, receiving a second control signal, opening the gate corresponding to the buffer in response to the second control signal, and transferring one or more data packets of the buffer for transmission in response to the gate opening.
Consumer Initiated High-Value Payments, Deepa Nayak, Clive Wintle, Kevin Jacklin, Ashwuni Sapra, Rohini Suren, Sameer Chougule
Consumer Initiated High-Value Payments, Deepa Nayak, Clive Wintle, Kevin Jacklin, Ashwuni Sapra, Rohini Suren, Sameer Chougule
Defensive Publications Series
The present disclosure relates to a method and a system for facilitating a consumer to initiate a secure, high-value payment transfer. The present disclosure suggests sending, by a payment initiator, an inquiry about a payment receiver account along with the payment receiver’s details to a payment network via an originating financial institution. Thereafter, the payment network validates the payment receiver details and provides a validation code using the payment data to uniquely identify the transaction. Subsequently, the payment network confirms the validity of the payment receiver details to the payment initiator via the originating financial institution and requests confirmation from …
Aluminum Direct Chill Casting Mold Metal Shutoff Methods, John Robert Buster Mccallum, Jonathan Quisenberry, Aaron David Sinden, Cameron J. Koentopp, Matthew Walsh
Aluminum Direct Chill Casting Mold Metal Shutoff Methods, John Robert Buster Mccallum, Jonathan Quisenberry, Aaron David Sinden, Cameron J. Koentopp, Matthew Walsh
Defensive Publications Series
The systems and methods described herein may prevent mold damage, which would otherwise result in significant down time and costly repairs or replacement.
Improved Federated Learning For Handling Long-Tail Words, Yuxin Ding, Yonghui Xiao, Rajiv Mathews, Mingqing Chen, Lillian Zhou
Improved Federated Learning For Handling Long-Tail Words, Yuxin Ding, Yonghui Xiao, Rajiv Mathews, Mingqing Chen, Lillian Zhou
Defensive Publications Series
Automatic speech recognition (ASR) machine learning models are deployed on client devices that include speech interfaces. ASR models can benefit from continuous learning and adaptation to large-scale changes, e.g., as new words are added to the vocabulary. While federated learning can be utilized to enable continuous learning for ASR models in a privacy preserving manner, the trained model can perform poorly on rarely occurring, long-tail words if the distribution of data used to train the model is skewed and does not adequately represent long-tail words. This disclosure describes federated learning techniques to improve ASR model quality when interpreting long-tail words …
Generic Client Data Query Framework
Generic Client Data Query Framework
Defensive Publications Series
Methods, systems, and storage media for performing generic client data queries are disclosed. Exemplary implementations may: receive an informational query to a server; generate query instructions; parse the query instructions to generate a node structure comprising a plurality of nodes; generate a plurality of resolvers to acquire node data associated with each node of the plurality of nodes; send a request to a client device for the node data associated with the plurality of nodes; receive the node data from at least one client device; apply the node data to the plurality of resolvers; and based on applying the node …