| Utility: Methods, systems, networks, and media for generating location based clusters of merchants based on consumer transaction activity Filling date: 9 Sep 2025 Issue date: 16 Feb 2021 | 13 Nov 2017 | 16 Feb 2021 |
| Utility: System and method for automated distribution to selected multiple receivers Filling date: 9 Sep 2025 Issue date: 16 Feb 2021 | 29 Aug 2017 | 16 Feb 2021 |
| Utility: Payment card network data validation system Filling date: 9 Sep 2025 Issue date: 16 Feb 2021 | 2 Aug 2016 | 16 Feb 2021 |
| Utility: Systems and methods for characterizing geographic regions Filling date: 9 Sep 2025 Issue date: 16 Feb 2021 | 28 Jul 2016 | 16 Feb 2021 |
| Utility: Methods and systems for providing FIDO authentication services Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 10 Oct 2019 | 9 Feb 2021 |
| Utility: Demand deposit account payment system Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 14 Dec 2018 | 9 Feb 2021 |
| Utility: Methods and systems for generating a transaction lifecycle output for a payment card transaction Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 9 Mar 2018 | 9 Feb 2021 |
| Utility: Systems and methods for providing augmented reality experiences Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 10 Jan 2018 | 9 Feb 2021 |
| Utility: Systems and methods for facilitating network transactions based on user authentication Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 21 Dec 2017 | 9 Feb 2021 |
| Utility: On-demand purchasing and delivery ecosystem Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 14 Dec 2017 | 9 Feb 2021 |
| Utility: Systems and methods for determining restaurant capacity level Filling date: 9 Sep 2025 Issue date: 9 Feb 2021 | 2 Jun 2016 | 9 Feb 2021 |
| Utility: Systems and methods for consolidated message processing Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 30 Mar 2020 | 2 Feb 2021 |
| Utility: Authorisation management server for managing an authorisation code, related computer process and device network Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 16 Oct 2018 | 2 Feb 2021 |
| Utility: System and computer-implemented method for bidirectional translation between diagramming and implementation tools Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 29 Jun 2018 | 2 Feb 2021 |
| Utility: Server for processing a tab for a customer at a merchant premises Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 15 Jun 2018 | 2 Feb 2021 |
| Utility: Method and system for managing centralized encryption and data format validation for secure real time multi-party data distribution Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 12 Apr 2018 | 2 Feb 2021 |
| Utility: Method and system for providing financial performance data associated with a merchant Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 22 Jan 2018 | 2 Feb 2021 |
| Utility: Computer implemented item recommendation Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 12 Dec 2017 | 2 Feb 2021 |
| Utility: Payment facilitation method and system Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 4 Oct 2017 | 2 Feb 2021 |
| Utility: Systems and methods for use in tracking usage of assets based on sensors associated with the assets Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 1 May 2017 | 2 Feb 2021 |
| Utility: Methods, systems, and computer readable media for suppressing cookie based advertisement retargeting Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 9 Dec 2016 | 2 Feb 2021 |
| Utility: Systems and methods for tracking access data to a data source Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 21 Oct 2016 | 2 Feb 2021 |
| Utility: Security for mobile applications Filling date: 9 Sep 2025 Issue date: 2 Feb 2021 | 14 May 2015 | 2 Feb 2021 |
| Utility: Systems and methods for filesystem-based computer application communication Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 10 Dec 2019 | 26 Jan 2021 |
| Utility: Methods and systems for facilitating migration to centralized compliance content for integration with a plurality of digital applications Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 4 Dec 2018 | 26 Jan 2021 |
| Utility: One-way hashing methodology for database records Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 27 Feb 2017 | 26 Jan 2021 |
| Utility: Method for managing payment vehicle data based on location information Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 16 Dec 2016 | 26 Jan 2021 |
| Utility: Systems and methods for capturing metadata from virtual shopping carts Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 1 Dec 2016 | 26 Jan 2021 |
| Utility: Method and apparatus for streamlined digital wallet transactions Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 12 Feb 2015 | 26 Jan 2021 |
| Utility: Systems and methods of processing payment transactions using one-time tokens Filling date: 9 Sep 2025 Issue date: 26 Jan 2021 | 29 Apr 2014 | 26 Jan 2021 |
| Utility: Computer message routing and processing system and method Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 29 May 2020 | 19 Jan 2021 |
| Utility: Systems and methods for identity validation and verification Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 4 Jan 2019 | 19 Jan 2021 |
| Utility: Method and system for securely controlling access to data Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 23 Oct 2018 | 19 Jan 2021 |
| Utility: System for executing a computer process for processing a transaction, and related computer process Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 18 Oct 2018 | 19 Jan 2021 |
| Utility: Automated failover of data traffic routes for network-based applications Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 23 Jul 2018 | 19 Jan 2021 |
| Utility: Systems and methods for detecting out-of-pattern transactions Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 26 Oct 2017 | 19 Jan 2021 |
| Utility: System and method for managing events Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 2 May 2017 | 19 Jan 2021 |
| Utility: Systems and methods for detecting collusion between merchants and cardholders Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 1 Dec 2016 | 19 Jan 2021 |
| Utility: Merchant voucher offer processing method and apparatus Filling date: 9 Sep 2025 Issue date: 19 Jan 2021 | 15 May 2013 | 19 Jan 2021 |
| Utility: Purchase and delivery system and method Filling date: 9 Sep 2025 Issue date: 12 Jan 2021 | 13 Feb 2018 | 12 Jan 2021 |
| Utility: Management systems for personal identifying data, and methods relating thereto Filling date: 9 Sep 2025 Issue date: 12 Jan 2021 | 21 Dec 2017 | 12 Jan 2021 |
| Utility: Systems and methods for biometric identity authentication Filling date: 9 Sep 2025 Issue date: 12 Jan 2021 | 30 Sep 2016 | 12 Jan 2021 |
| Utility: Systems and methods for interactive decision-making Filling date: 9 Sep 2025 Issue date: 12 Jan 2021 | 22 Jul 2016 | 12 Jan 2021 |
| Utility: Providing online cardholder authentication services on-behalf-of issuers Filling date: 9 Sep 2025 Issue date: 12 Jan 2021 | 29 Oct 2015 | 12 Jan 2021 |
| Utility: Electronic speech to text conversion systems and methods with natural language capture of proper name spelling Filling date: 9 Sep 2025 Issue date: 5 Jan 2021 | 21 Nov 2018 | 5 Jan 2021 |
| Utility: Tracking metadata changes in multiple data stores and generating alerts for detected data impacts Filling date: 9 Sep 2025 Issue date: 5 Jan 2021 | 3 Jul 2018 | 5 Jan 2021 |
| Utility: Personal property inventory captivator systems and methods Filling date: 9 Sep 2025 Issue date: 5 Jan 2021 | 14 Dec 2017 | 5 Jan 2021 |
| Utility: User authentication via fingerprint and heartbeat Filling date: 9 Sep 2025 Issue date: 5 Jan 2021 | 24 Nov 2017 | 5 Jan 2021 |
| Utility: System and method for electronically providing receipts Filling date: 9 Sep 2025 Issue date: 5 Jan 2021 | 11 Oct 2017 | 5 Jan 2021 |
| Utility: Systems and methods for identifying suspect illicit merchants Filling date: 9 Sep 2025 Issue date: 29 Dec 2020 | 21 Oct 2019 | 29 Dec 2020 |
