| Utility: Systems, methods and computer program products for OTP based authorization of electronic payment transactions Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 12 Dec 2018 | 25 May 2021 |
| Utility: Systems and methods for processing an access request Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 4 Apr 2018 | 25 May 2021 |
| Utility: Systems and methods for identifying fraudulent common point of purchases Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 15 Dec 2017 | 25 May 2021 |
| Utility: Method and system for emotional intelligence via virtual reality and biometrics Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 24 Oct 2017 | 25 May 2021 |
| Utility: System and methods for enhanced authorization of prepaid cards Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 21 Dec 2016 | 25 May 2021 |
| Utility: Systems and methods for using an internet of things device presence to authenticate a cardholder for a financial transaction Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 30 Jul 2015 | 25 May 2021 |
| Utility: Method and system for identifying merchants selling ransomware Filling date: 9 Sep 2025 Issue date: 25 May 2021 | 4 Dec 2014 | 25 May 2021 |
| Utility: Intelligent mobile payment system and method Filling date: 9 Sep 2025 Issue date: 18 May 2021 | 19 Jul 2019 | 18 May 2021 |
| Utility: Methods and apparatus for managing access to file content Filling date: 9 Sep 2025 Issue date: 18 May 2021 | 28 Sep 2017 | 18 May 2021 |
| Utility: Method and system for effecting a payment transaction Filling date: 9 Sep 2025 Issue date: 18 May 2021 | 8 Nov 2016 | 18 May 2021 |
| Utility: Systems and methods related to configurations for mobile communication device security Filling date: 9 Sep 2025 Issue date: 11 May 2021 | 2 Jan 2020 | 11 May 2021 |
| Utility: Systems and methods for use in loading data from backup databases to task databases Filling date: 9 Sep 2025 Issue date: 11 May 2021 | 21 Dec 2017 | 11 May 2021 |
| Utility: Systems and methods for use in initiating payment account transactions to acquirers Filling date: 9 Sep 2025 Issue date: 11 May 2021 | 7 Mar 2017 | 11 May 2021 |
| Utility: System and method for assembling a shared shopping cart Filling date: 9 Sep 2025 Issue date: 4 May 2021 | 9 Nov 2018 | 4 May 2021 |
| Utility: Systems and methods for use in analyzing declined payment account transactions Filling date: 9 Sep 2025 Issue date: 4 May 2021 | 23 Aug 2016 | 4 May 2021 |
| Utility: Method and system for contactless withdrawal from an ATM Filling date: 9 Sep 2025 Issue date: 27 Apr 2021 | 10 May 2019 | 27 Apr 2021 |
| Utility: Systems and methods for a payment card with multiple funding sources Filling date: 9 Sep 2025 Issue date: 27 Apr 2021 | 18 Jan 2019 | 27 Apr 2021 |
| Utility: Extended-length payment account issuer identification numbers Filling date: 9 Sep 2025 Issue date: 20 Apr 2021 | 10 Apr 2019 | 20 Apr 2021 |
| Utility: Customer rating as part of a card transaction Filling date: 9 Sep 2025 Issue date: 20 Apr 2021 | 3 Apr 2018 | 20 Apr 2021 |
| Utility: Method and system for distribution of data insights Filling date: 9 Sep 2025 Issue date: 20 Apr 2021 | 6 Apr 2017 | 20 Apr 2021 |
| Utility: Monitoring and managing services in legacy systems using cloud native monitoring and managing tools Filling date: 9 Sep 2025 Issue date: 13 Apr 2021 | 27 Mar 2020 | 13 Apr 2021 |
| Utility: Method and system for determining confidence of a seller in a user marketplace Filling date: 9 Sep 2025 Issue date: 13 Apr 2021 | 11 Jan 2018 | 13 Apr 2021 |
| Utility: Systems and methods for cross-border ATM fraud detection Filling date: 9 Sep 2025 Issue date: 13 Apr 2021 | 15 Dec 2017 | 13 Apr 2021 |
| Utility: Systems and methods for facilitating multi-party payment transactions Filling date: 9 Sep 2025 Issue date: 6 Apr 2021 | 4 Feb 2019 | 6 Apr 2021 |
| Utility: Tracking system, method and medium for enhancing the use of select transit Filling date: 9 Sep 2025 Issue date: 6 Apr 2021 | 19 Jul 2017 | 6 Apr 2021 |
| Utility: Interactive loyalty reward system and method Filling date: 9 Sep 2025 Issue date: 6 Apr 2021 | 15 Dec 2016 | 6 Apr 2021 |
| Utility: Systems, computer-readable media and computer-implemented methods for network adapter activation in connection with fibre channel uplink mapping Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 29 May 2019 | 30 Mar 2021 |
| Utility: Systems and methods for use in data access Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 24 Jul 2018 | 30 Mar 2021 |
| Utility: Systems and methods for use in authenticating users in connection with network transactions Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 21 Dec 2017 | 30 Mar 2021 |
| Utility: Bin-conserving tokenization techniques generating tokens in reverse order and employing common device pan with differing pan sequence number values across token instances Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 22 Nov 2017 | 30 Mar 2021 |
| Utility: Method and system for facilitating a cashless transaction Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 9 Nov 2017 | 30 Mar 2021 |
| Utility: Systems and methods for use in facilitating enrollment in loyalty accounts Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 16 Aug 2017 | 30 Mar 2021 |
| Utility: Systems and methods for monitoring distributed payment networks Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 14 Apr 2017 | 30 Mar 2021 |
| Utility: Method and system for fraud control of blockchain-based transactions Filling date: 9 Sep 2025 Issue date: 30 Mar 2021 | 21 May 2015 | 30 Mar 2021 |
| Utility: System and method of managing data injection into an executing data processing system Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 12 Apr 2019 | 23 Mar 2021 |
| Utility: Method and system for blockchain-implemented project management Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 20 Nov 2018 | 23 Mar 2021 |
| Utility: Methods and systems for biometric card enrollment Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 9 Jul 2018 | 23 Mar 2021 |
| Utility: Method and system for contactless payment via quick response code Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 18 Apr 2018 | 23 Mar 2021 |
| Utility: Method and system for dynamic linking of offers to transaction accounts Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 9 Jan 2018 | 23 Mar 2021 |
| Utility: Methods and devices for collecting information about consumer spending Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 31 May 2017 | 23 Mar 2021 |
| Utility: System and method for end-to-end key management Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 25 Jul 2016 | 23 Mar 2021 |
| Utility: Automatic registration and generation of consumer payment credentials using internet-connected appliances Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 5 Apr 2016 | 23 Mar 2021 |
| Utility: Systems and methods for transferring balances Filling date: 9 Sep 2025 Issue date: 23 Mar 2021 | 14 Jul 2015 | 23 Mar 2021 |
| Utility: Transaction control Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 15 Feb 2019 | 16 Mar 2021 |
| Utility: Methods and systems for using physical payment cards in secure e-commerce transactions Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 22 Oct 2018 | 16 Mar 2021 |
| Utility: Systems and methods for use in network services migration Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 28 Aug 2018 | 16 Mar 2021 |
| Utility: Device and method for product delivery interception Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 30 May 2018 | 16 Mar 2021 |
| Utility: Preventing data analysis interruptions by identifying card continuity without using personally identifiable information Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 30 Jan 2018 | 16 Mar 2021 |
| Utility: Amount confirmation for visually impaired users Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 19 Dec 2017 | 16 Mar 2021 |
| Utility: Access to ACH transaction functionality via digital wallets Filling date: 9 Sep 2025 Issue date: 16 Mar 2021 | 26 Oct 2017 | 16 Mar 2021 |
