| Utility: Enhanced device interaction Filling date: 8 Sep 2025 Issue date: 17 Nov 2020 | 28 Jul 2017 | 17 Nov 2020 |
| Utility: Systems and methods for use in providing enhanced authentication of consumers Filling date: 8 Sep 2025 Issue date: 17 Nov 2020 | 21 Feb 2017 | 17 Nov 2020 |
| Utility: Method and system for verification of identity attribute information Filling date: 8 Sep 2025 Issue date: 17 Nov 2020 | 8 Jul 2016 | 17 Nov 2020 |
| Utility: Systems and methods for improved processing of a data file Filling date: 8 Sep 2025 Issue date: 10 Nov 2020 | 20 Dec 2017 | 10 Nov 2020 |
| Utility: System and method for card-linked services Filling date: 8 Sep 2025 Issue date: 10 Nov 2020 | 11 Sep 2017 | 10 Nov 2020 |
| Utility: Translating data signals between a frontend interface and a backend server Filling date: 8 Sep 2025 Issue date: 10 Nov 2020 | 3 Dec 2015 | 10 Nov 2020 |
| Utility: Receipt processing and access service Filling date: 8 Sep 2025 Issue date: 10 Nov 2020 | 24 Jul 2015 | 10 Nov 2020 |
| Utility: Cardholder travel detection with internet service Filling date: 8 Sep 2025 Issue date: 10 Nov 2020 | 8 Dec 2014 | 10 Nov 2020 |
| Utility: Direct production network access using private networks and encapsulation Filling date: 8 Sep 2025 Issue date: 3 Nov 2020 | 29 Nov 2018 | 3 Nov 2020 |
| Utility: Systems and methods for use in geolocation resolution of computer network nodes Filling date: 8 Sep 2025 Issue date: 3 Nov 2020 | 30 Oct 2018 | 3 Nov 2020 |
| Utility: Payment card transaction authorization system and process Filling date: 8 Sep 2025 Issue date: 3 Nov 2020 | 25 Aug 2018 | 3 Nov 2020 |
| Utility: Systems and methods for scoring chargeback disputes Filling date: 8 Sep 2025 Issue date: 3 Nov 2020 | 17 Aug 2017 | 3 Nov 2020 |
| Utility: Space dataset optimization Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 28 Oct 2019 | 27 Oct 2020 |
| Utility: Methods and systems for facilitating a client-server communication using cyclic tokens Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 30 Jul 2019 | 27 Oct 2020 |
| Utility: Systems and methods for advanced application security Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 12 Oct 2018 | 27 Oct 2020 |
| Utility: System and method for managing recurring payments over a payment network Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 29 Jun 2018 | 27 Oct 2020 |
| Utility: System and method for point-of-sale electronic receipt generation and management Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 5 Dec 2017 | 27 Oct 2020 |
| Utility: Method and apparatus for determining an effectiveness of an electronic advertisement Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 13 Jun 2017 | 27 Oct 2020 |
| Utility: Systems and methods for providing multiple communications network options Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 16 Jun 2016 | 27 Oct 2020 |
| Utility: Systems and methods for verifying users, in connection with transactions using payment devices Filling date: 8 Sep 2025 Issue date: 27 Oct 2020 | 9 Jun 2016 | 27 Oct 2020 |
| Utility: Virtual reality headset device and payment method Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 3 Dec 2018 | 20 Oct 2020 |
| Utility: Remote control of a mobile communication device Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 2 Nov 2018 | 20 Oct 2020 |
| Utility: Systems and methods for authenticating users in connection with mobile operations Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 6 Jul 2018 | 20 Oct 2020 |
| Utility: Method and system for authorizing and processing payment transactions over a network Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 23 Jun 2017 | 20 Oct 2020 |
| Utility: Systems and methods for managing receipts for payment account transactions Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 24 Feb 2017 | 20 Oct 2020 |
| Utility: Method and system for authorization using a public ledger and encryption keys Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 1 Jun 2016 | 20 Oct 2020 |
| Utility: Systems and methods for determining customer traffic data Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 11 Dec 2015 | 20 Oct 2020 |
| Utility: Systems and methods for managing access to segments of payment networks Filling date: 8 Sep 2025 Issue date: 20 Oct 2020 | 1 Apr 2015 | 20 Oct 2020 |
| Utility: System and method for transmitting payment card information, and payment card Filling date: 8 Sep 2025 Issue date: 13 Oct 2020 | 13 Aug 2018 | 13 Oct 2020 |
| Utility: System and method for device fraud prevention Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 23 Jan 2020 | 6 Oct 2020 |
| Utility: Systems and methods for embedding digital modifiers in a digital wallet Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 5 Sep 2018 | 6 Oct 2020 |
| Utility: Split message initiated payment system, method and apparatus Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 31 May 2018 | 6 Oct 2020 |
| Utility: Message processing apparatus and methods Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 6 Apr 2018 | 6 Oct 2020 |
| Utility: Password management system and process Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 1 Dec 2017 | 6 Oct 2020 |
| Utility: Consumer sampling webpage linked with digital wallet Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 18 Oct 2017 | 6 Oct 2020 |
| Utility: Authentication using transaction history Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 31 Mar 2017 | 6 Oct 2020 |
| Utility: Method and system for authentication of coupons via blockchain Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 29 Nov 2016 | 6 Oct 2020 |
| Utility: Systems and methods for passively determining a ratio of purchasers and prospective purchasers in a merchant location Filling date: 8 Sep 2025 Issue date: 6 Oct 2020 | 23 Dec 2013 | 6 Oct 2020 |
| Utility: Transaction verification based on a transaction identifier and associated location data Filling date: 8 Sep 2025 Issue date: 29 Sep 2020 | 4 Dec 2017 | 29 Sep 2020 |
| Utility: Systems and methods for use in facilitating purchases Filling date: 8 Sep 2025 Issue date: 29 Sep 2020 | 16 Jun 2017 | 29 Sep 2020 |
| Utility: Methods and apparatus for processing a payment-on-delivery (POD) transaction Filling date: 8 Sep 2025 Issue date: 29 Sep 2020 | 19 Jul 2016 | 29 Sep 2020 |
| Utility: Method and system for POS enabled installments with eligibility check requirements Filling date: 8 Sep 2025 Issue date: 22 Sep 2020 | 1 Aug 2019 | 22 Sep 2020 |
| Utility: Computer-implemented methods, systems comprising computer-readable media, and electronic devices for secure multi-datasource query job status notification Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 10 Oct 2018 | 15 Sep 2020 |
| Utility: Methods and systems for processing electronic disbursements Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 8 Oct 2018 | 15 Sep 2020 |
| Utility: System and computer-implemented method for identifying defective chip readers through substandard transaction experiences Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 15 Dec 2017 | 15 Sep 2020 |
| Utility: Cryptographic system management Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 27 Nov 2017 | 15 Sep 2020 |
| Utility: Data analysis systems and methods for identifying recurring payment programs Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 15 Nov 2017 | 15 Sep 2020 |
| Utility: Systems and methods for identifying compromised accounts using historical authorization messages Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 10 May 2017 | 15 Sep 2020 |
| Utility: Systems and methods for providing notification services using a digital wallet platform Filling date: 8 Sep 2025 Issue date: 15 Sep 2020 | 6 Sep 2016 | 15 Sep 2020 |
| Utility: System, method, and computer-implemented method for standardizing electronic identifiers to improve identification of physical equipment Filling date: 8 Sep 2025 Issue date: 8 Sep 2020 | 6 Nov 2018 | 8 Sep 2020 |
