| Utility: Generating aggregated merchant analytics using origination location of online transactions Filling date: 9 Sep 2025 Issue date: 31 May 2022 | 8 Sep 2016 | 31 May 2022 |
| Utility: Dynamic security code authorization verification service Filling date: 9 Sep 2025 Issue date: 24 May 2022 | 17 Aug 2020 | 24 May 2022 |
| Utility: Method and system for grouping of blockchain nodes for greater consensus Filling date: 9 Sep 2025 Issue date: 24 May 2022 | 27 May 2020 | 24 May 2022 |
| Utility: Inaudible voice payment Filling date: 9 Sep 2025 Issue date: 24 May 2022 | 13 Mar 2020 | 24 May 2022 |
| Utility: System for verifying a user of a payment device Filling date: 9 Sep 2025 Issue date: 24 May 2022 | 23 Aug 2018 | 24 May 2022 |
| Utility: Systems and methods for generating physical payment cards Filling date: 9 Sep 2025 Issue date: 24 May 2022 | 20 Sep 2013 | 24 May 2022 |
| Utility: Methods and systems for online purchase of items in increased online traffic Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 28 Jul 2020 | 17 May 2022 |
| Utility: Method for communicating a non-speech message as audio Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 30 Jan 2020 | 17 May 2022 |
| Utility: System and methods for performing a visually-impaired transaction Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 24 Oct 2019 | 17 May 2022 |
| Utility: Method and system for pre-authorization of orphaned blockchain transactions Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 11 Jul 2019 | 17 May 2022 |
| Utility: Methods and systems for facilitating payment transactions at point of sale terminals Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 4 Jun 2019 | 17 May 2022 |
| Utility: Systems and methods for personalizing payment cards Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 14 May 2019 | 17 May 2022 |
| Utility: Method and system for secure authentication of user and mobile device without secure elements Filling date: 9 Sep 2025 Issue date: 17 May 2022 | 2 Dec 2014 | 17 May 2022 |
| 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: 10 May 2022 | 25 Feb 2021 | 10 May 2022 |
| Utility: Systems and methods for use in transferring funds between payment accounts Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 2 Jul 2020 | 10 May 2022 |
| Utility: Automated enrollment of a user in an automatic updating program Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 20 Apr 2020 | 10 May 2022 |
| Utility: Methods and systems for a reliable payment transaction Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 15 Nov 2019 | 10 May 2022 |
| Utility: Method and system for facilitating electronic transactions Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 31 Jul 2019 | 10 May 2022 |
| Utility: Electronic system and method for transaction processing Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 20 Jun 2019 | 10 May 2022 |
| Utility: Systems and methods for coordinating virtual wallet defaults Filling date: 9 Sep 2025 Issue date: 10 May 2022 | 27 Sep 2017 | 10 May 2022 |
| Utility: Controlling usage of electronically shared information Filling date: 9 Sep 2025 Issue date: 3 May 2022 | 4 Mar 2020 | 3 May 2022 |
| Utility: Combination mobile phone case and payment card assembly for facilitating digital wallet payments Filling date: 9 Sep 2025 Issue date: 3 May 2022 | 22 Jan 2020 | 3 May 2022 |
| Utility: System and method for securely transacting over a landline Filling date: 9 Sep 2025 Issue date: 3 May 2022 | 14 Oct 2019 | 3 May 2022 |
| Utility: Method and system for optimizing transaction flow for blockchain mining and confirmation Filling date: 9 Sep 2025 Issue date: 3 May 2022 | 3 Oct 2019 | 3 May 2022 |
| Utility: Database system architecture for refund data harmonization Filling date: 9 Sep 2025 Issue date: 3 May 2022 | 31 Dec 2018 | 3 May 2022 |
| Utility: Method and system for using dynamic private keys to secure data file retrieval Filling date: 9 Sep 2025 Issue date: 26 Apr 2022 | 16 Apr 2019 | 26 Apr 2022 |
| Utility: Systems and methods for use in authenticating consumers in connection with payment account transactions Filling date: 9 Sep 2025 Issue date: 26 Apr 2022 | 16 Dec 2016 | 26 Apr 2022 |
| Utility: Systems and methods for monitoring computer authentication procedures Filling date: 9 Sep 2025 Issue date: 19 Apr 2022 | 30 Sep 2019 | 19 Apr 2022 |
| Utility: Method and system for multi-account check processing via blockchain Filling date: 9 Sep 2025 Issue date: 19 Apr 2022 | 26 Sep 2018 | 19 Apr 2022 |
| Utility: Cardholder selected card validation code for card-not-present transactions Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 27 Jan 2020 | 12 Apr 2022 |
| Utility: Systems and methods for correction of information in card-not-present account-on-file transactions Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 18 Oct 2019 | 12 Apr 2022 |
| Utility: Method and system for protection of customer PII via cryptographic tokens Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 9 Oct 2019 | 12 Apr 2022 |
| Utility: Method and system for data localization-compliant blockchain processing and storage Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 24 Jul 2019 | 12 Apr 2022 |
| Utility: Method and system for transaction authorization via controlled blockchain Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 24 May 2018 | 12 Apr 2022 |
| Utility: Systems and methods for using network extensions Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 9 May 2018 | 12 Apr 2022 |
| Utility: Cryptographic authentication and tokenized transactions Filling date: 9 Sep 2025 Issue date: 12 Apr 2022 | 11 Aug 2017 | 12 Apr 2022 |
| Utility: Neural network learning for the prevention of false positive authorizations Filling date: 9 Sep 2025 Issue date: 29 Mar 2022 | 11 Nov 2019 | 29 Mar 2022 |
| Utility: Systems and methods for assessing data quality Filling date: 9 Sep 2025 Issue date: 29 Mar 2022 | 24 May 2019 | 29 Mar 2022 |
| Utility: Interactive 3D image projection systems and methods Filling date: 9 Sep 2025 Issue date: 29 Mar 2022 | 14 Nov 2018 | 29 Mar 2022 |
| Utility: Automated core services bootstrap for on-premises clusters Filling date: 9 Sep 2025 Issue date: 22 Mar 2022 | 4 May 2020 | 22 Mar 2022 |
| Utility: Method and system for inter-wallet payments for cross-border transactions Filling date: 9 Sep 2025 Issue date: 22 Mar 2022 | 19 Apr 2019 | 22 Mar 2022 |
| Utility: Systems and methods for detecting transaction card fraud based on geographic patterns of purchases Filling date: 9 Sep 2025 Issue date: 22 Mar 2022 | 30 Jul 2018 | 22 Mar 2022 |
| Utility: Multi-party payment card processing systems and methods with friendly fraud detection Filling date: 9 Sep 2025 Issue date: 22 Mar 2022 | 12 Oct 2017 | 22 Mar 2022 |
| Utility: Multi-network systems and methods for linking stored on-file data with profile data Filling date: 9 Sep 2025 Issue date: 22 Mar 2022 | 29 Sep 2016 | 22 Mar 2022 |
| Utility: System and method for linking bill payment service with remittance Filling date: 9 Sep 2025 Issue date: 15 Mar 2022 | 20 Jan 2020 | 15 Mar 2022 |
| Utility: Systems and methods for detecting compromised automated teller machines Filling date: 9 Sep 2025 Issue date: 15 Mar 2022 | 12 Aug 2019 | 15 Mar 2022 |
| Utility: Methods and systems for providing a decision making platform Filling date: 9 Sep 2025 Issue date: 15 Mar 2022 | 8 Jul 2019 | 15 Mar 2022 |
| Utility: Embedding web page content based on an individual level learning mechanism Filling date: 9 Sep 2025 Issue date: 8 Mar 2022 | 18 Jun 2020 | 8 Mar 2022 |
| Utility: System and method for generating and storing digital receipts for electronic shopping Filling date: 9 Sep 2025 Issue date: 8 Mar 2022 | 16 Mar 2020 | 8 Mar 2022 |
| Utility: Method and system for securing personally identifiable information Filling date: 9 Sep 2025 Issue date: 8 Mar 2022 | 27 Sep 2019 | 8 Mar 2022 |
