| Utility: System architecture and database for context-based authentication Filling date: 8 Sep 2025 Issue date: 8 Mar 2022 | 2 Jul 2018 | 8 Mar 2022 |
| Utility: Systems and methods for building a data table to reduce false declines over a network Filling date: 8 Sep 2025 Issue date: 8 Mar 2022 | 15 Dec 2016 | 8 Mar 2022 |
| Utility: SYSTEM AND METHODS FOR GENERATING AND AUTHENTICATING DYNAMIC USERNAMES REPLICATION Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 11 Nov 2021 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR AUTOMATIC BILL ENROLLMENT Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 8 Nov 2021 | 3 Mar 2022 |
| Utility: IMPACT PREDICTIONS BASED ON INCIDENT-RELATED DATA Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 27 Aug 2021 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR ROUTING NETWORK MESSAGES Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 25 Aug 2021 | 3 Mar 2022 |
| Utility: METHODS AND SYSTEMS FOR RECOVERING A FAILED PAYMENT PROCESSING REQUEST Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 9 Aug 2021 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR AUTHENTICATING USERS Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 31 Aug 2020 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR USE IN AUTHENTICATING USERS BASED ON LOCATION Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 31 Aug 2020 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR USE IN EVALUATING NETWORK INTERACTIONS Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 28 Aug 2020 | 3 Mar 2022 |
| Utility: MANAGING TRANSACTION BLOCKING SCHEMES BASED ON PERFORMANCE DATA VIA A USER INTERFACE Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 28 Aug 2020 | 3 Mar 2022 |
| Utility: METHOD AND SYSTEM FOR REGULATION OF BLOCKCHAIN TRANSACTIONS Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 28 Aug 2020 | 3 Mar 2022 |
| Utility: SYSTEMS AND METHODS FOR USE WITH NETWORK AUTHENTICATION Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 26 Aug 2020 | 3 Mar 2022 |
| Utility: PAYMENT AUTHENTICATION USING OS-BASED AND ISSUER-BASED AUTHENTICATOR APPLICATIONS Filling date: 8 Sep 2025 Issue date: 3 Mar 2022 | 25 Aug 2020 | 3 Mar 2022 |
| Utility: Secure and safe method to disabling payment functionality on lost or stolen transaction cards Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 30 Jan 2020 | 1 Mar 2022 |
| Utility: Headlock cable installation system Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 13 Jan 2020 | 1 Mar 2022 |
| Utility: Method and system for post authorization payment of transactions using loyalty points Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 2 Jan 2020 | 1 Mar 2022 |
| Utility: Method and system for facilitating sharing of reward points Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 10 Jun 2019 | 1 Mar 2022 |
| Utility: Method and system for making a targeted offer to an audience Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 3 Jun 2019 | 1 Mar 2022 |
| Utility: Method and system for generating cryptograms for validation in a webservice environment Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 12 Mar 2019 | 1 Mar 2022 |
| Utility: Method and system for an efficient consensus mechanism for permissioned blockchains using audit guarantees Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 3 Jan 2019 | 1 Mar 2022 |
| Utility: System and methods for invoking ancillary services based on digital wallet events Filling date: 8 Sep 2025 Issue date: 1 Mar 2022 | 7 Sep 2018 | 1 Mar 2022 |
| Utility: ELECTRONIC WALLET APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT Filling date: 8 Sep 2025 Issue date: 24 Feb 2022 | 1 Nov 2021 | 24 Feb 2022 |
| Utility: SYSTEMS AND METHODS FOR VIRTUAL CURRENCY EXCHANGE Filling date: 8 Sep 2025 Issue date: 24 Feb 2022 | 1 Nov 2021 | 24 Feb 2022 |
| Utility: METHODS AND SYSTEMS FOR VERIFYING ELECTRONIC PURCHASES INCLUDING RESTRICTED PRODUCTS AND PAYMENT PROCESSING THEREOF Filling date: 8 Sep 2025 Issue date: 24 Feb 2022 | 15 Jun 2021 | 24 Feb 2022 |
| Utility: Systems and methods for use in implementing account controls Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 7 Apr 2020 | 22 Feb 2022 |
| Utility: Methods and systems for cryptographic keys exchange Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 8 Jan 2020 | 22 Feb 2022 |
| Utility: Methods and systems for identification of breach attempts in a client-server communication using access tokens Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 10 Jul 2019 | 22 Feb 2022 |
| Utility: Methods and systems for secure product activation Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 1 May 2019 | 22 Feb 2022 |
| Utility: Method and system for utilizing blockchain and telecom network for two factor authentication and enhancing security Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 20 Aug 2018 | 22 Feb 2022 |
| Utility: Method and system for review verification and trustworthiness scoring via blockchain Filling date: 8 Sep 2025 Issue date: 22 Feb 2022 | 22 Aug 2017 | 22 Feb 2022 |
| Utility: CARD INACTIVITY MODELING Filling date: 8 Sep 2025 Issue date: 17 Feb 2022 | 10 Aug 2021 | 17 Feb 2022 |
| Utility: SYSTEMS AND METHODS FOR DETECTION OF FRAUD ATTACKS USING MERCHANTS TO TEST PAYMENT ACCOUNTS Filling date: 8 Sep 2025 Issue date: 17 Feb 2022 | 14 Aug 2020 | 17 Feb 2022 |
| Utility: Flexible computing job scheduling systems and methods Filling date: 8 Sep 2025 Issue date: 15 Feb 2022 | 10 Apr 2020 | 15 Feb 2022 |
| Utility: Systems and methods for smartcard biometric enrollment Filling date: 8 Sep 2025 Issue date: 15 Feb 2022 | 1 May 2017 | 15 Feb 2022 |
| Utility: Method and system for distributed data storage with eternal integrity guarantees Filling date: 8 Sep 2025 Issue date: 15 Feb 2022 | 5 May 2016 | 15 Feb 2022 |
| Utility: Systems and methods for enhanced fraud detection based on transactions at potentially compromised locations Filling date: 8 Sep 2025 Issue date: 15 Feb 2022 | 26 Jan 2015 | 15 Feb 2022 |
| Utility: METHOD AND SYSTEM FOR PAYMENT CARD VERIFICATION VIA BLOCKCHAIN Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 29 Oct 2021 | 10 Feb 2022 |
| Utility: SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 25 Oct 2021 | 10 Feb 2022 |
| Utility: ENCODING ONE-TIME PASSWORDS AS AUDIO TRANSMISSIONS INCLUDING SECURITY ARTIFACTS Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 25 Oct 2021 | 10 Feb 2022 |
| Utility: Aggregator Server and Method for Generating Unique Identifiers for Processing Payments from Different Payment Instruments Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 4 Aug 2021 | 10 Feb 2022 |
| Utility: SYSTEMS AND METHODS RELATING TO TOKENIZATION Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 2 Aug 2021 | 10 Feb 2022 |
| Utility: SYSTEMS AND METHODS FOR USE IN IDENTIFYING NETWORK INTERACTIONS Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 28 Jul 2021 | 10 Feb 2022 |
| Utility: METHOD AND SYSTEM FOR FACILITATING SECURE PAYMENT TRANSACTIONS Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 10 Jun 2021 | 10 Feb 2022 |
| Utility: SYSTEM FOR WHEELCHAIR-BASED NEAR FIELD COMMUNICATION (NFC) PAYMENT EXTENSION AND STANDARD Filling date: 8 Sep 2025 Issue date: 10 Feb 2022 | 10 Aug 2020 | 10 Feb 2022 |
| Utility: Systems and methods for collecting device data from digital wallet authentications Filling date: 8 Sep 2025 Issue date: 8 Feb 2022 | 25 Nov 2019 | 8 Feb 2022 |
| Utility: Server and method for determining if an account in a transaction request is eligible for a promotion Filling date: 8 Sep 2025 Issue date: 8 Feb 2022 | 18 Dec 2018 | 8 Feb 2022 |
| Utility: Methods and apparatus for chargebacks of push payment transactions Filling date: 8 Sep 2025 Issue date: 8 Feb 2022 | 18 Sep 2018 | 8 Feb 2022 |
| Utility: Method and system for authentication via a trusted execution environment Filling date: 8 Sep 2025 Issue date: 8 Feb 2022 | 23 Jan 2018 | 8 Feb 2022 |
| Utility: Systems and methods for feeding a previous case action for a decision of confirming financial transactions Filling date: 8 Sep 2025 Issue date: 8 Feb 2022 | 3 Nov 2015 | 8 Feb 2022 |
