| Utility: Methods and systems for partial personalization during application update Filling date: 9 Sep 2025 Issue date: 1 Dec 2020 | 30 Jan 2019 | 1 Dec 2020 |
| Utility: Cloud-based virtual wallet NFC apparatuses, methods and systems Filling date: 9 Sep 2025 Issue date: 1 Dec 2020 | 6 Dec 2018 | 1 Dec 2020 |
| Utility: Systems and methods for determining access outcomes using access request scoring Filling date: 9 Sep 2025 Issue date: 1 Dec 2020 | 15 Oct 2018 | 1 Dec 2020 |
| Utility: Systems and methods for determining access request scoring for access outcomes Filling date: 9 Sep 2025 Issue date: 1 Dec 2020 | 15 Oct 2018 | 1 Dec 2020 |
| Utility: Integration of verification tokens with mobile communication devices Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 20 Jun 2019 | 24 Nov 2020 |
| Utility: Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 14 Nov 2018 | 24 Nov 2020 |
| Utility: Biometrics transaction processing Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 5 Oct 2018 | 24 Nov 2020 |
| Utility: Public-private key pair protected password manager Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 17 Jul 2018 | 24 Nov 2020 |
| Utility: Systems and methods for enrolling a user in a membership account Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 28 Sep 2017 | 24 Nov 2020 |
| Utility: Prepaid load with account linking Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 7 Sep 2017 | 24 Nov 2020 |
| Utility: Offline authentication Filling date: 9 Sep 2025 Issue date: 24 Nov 2020 | 21 May 2015 | 24 Nov 2020 |
| Utility: Augmented smart tag security apparatuses, methods and systems Filling date: 9 Sep 2025 Issue date: 17 Nov 2020 | 6 Nov 2019 | 17 Nov 2020 |
| Utility: Method, system, and computer program product for automatically providing items based on item preferences Filling date: 9 Sep 2025 Issue date: 17 Nov 2020 | 14 Aug 2019 | 17 Nov 2020 |
| Utility: Rule management user interface Filling date: 9 Sep 2025 Issue date: 17 Nov 2020 | 30 May 2019 | 17 Nov 2020 |
| Utility: Gesture recognition cloud command platform, system, method, and apparatus Filling date: 9 Sep 2025 Issue date: 17 Nov 2020 | 4 Jan 2018 | 17 Nov 2020 |
| Utility: Passing payment tokens through an HOP / SOP Filling date: 9 Sep 2025 Issue date: 17 Nov 2020 | 31 May 2017 | 17 Nov 2020 |
| Utility: Multi-directional wallet connector apparatuses, methods and systems Filling date: 9 Sep 2025 Issue date: 3 Nov 2020 | 13 Jun 2019 | 3 Nov 2020 |
| Utility: Secure authentication of user and mobile device Filling date: 9 Sep 2025 Issue date: 3 Nov 2020 | 22 May 2019 | 3 Nov 2020 |
| Utility: Information access device and data transfer Filling date: 9 Sep 2025 Issue date: 3 Nov 2020 | 22 Aug 2018 | 3 Nov 2020 |
| Utility: Confidential authentication and provisioning Filling date: 9 Sep 2025 Issue date: 3 Nov 2020 | 30 Jun 2016 | 3 Nov 2020 |
| Utility: Virtual reality and augmented reality systems and methods to generate mobile alerts Filling date: 9 Sep 2025 Issue date: 3 Nov 2020 | 6 Jun 2016 | 3 Nov 2020 |
| Utility: Systems and methods to detect changes in merchant identification information Filling date: 9 Sep 2025 Issue date: 27 Oct 2020 | 6 Mar 2019 | 27 Oct 2020 |
| Utility: Multi-purpose device having multiple certificates including member certificate Filling date: 9 Sep 2025 Issue date: 27 Oct 2020 | 27 Mar 2018 | 27 Oct 2020 |
| Utility: Secure remote payment transaction processing including consumer authentication Filling date: 9 Sep 2025 Issue date: 27 Oct 2020 | 22 Sep 2014 | 27 Oct 2020 |
| Utility: Contact alert system and method Filling date: 9 Sep 2025 Issue date: 20 Oct 2020 | 15 Nov 2018 | 20 Oct 2020 |
| Utility: Device profile data usage for state management in mobile device authentication Filling date: 9 Sep 2025 Issue date: 13 Oct 2020 | 4 Mar 2019 | 13 Oct 2020 |
| Utility: Electronic wallet checkout platform apparatuses, methods and systems Filling date: 9 Sep 2025 Issue date: 13 Oct 2020 | 21 Apr 2017 | 13 Oct 2020 |
| Utility: Security engine for a secure operating environment Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 7 Feb 2019 | 6 Oct 2020 |
| Utility: Method and system for provisioning access data to mobile device Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 7 Aug 2018 | 6 Oct 2020 |
| Utility: Untethered resource distribution and management Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 28 Mar 2018 | 6 Oct 2020 |
| Utility: System, method, and computer program product for predicting payment transactions using a machine learning technique based on merchant categories and transaction time data Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 6 Sep 2017 | 6 Oct 2020 |
| Utility: Apparatus including data bearing medium for reducing fraud in payment transactions using a black list Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 14 Jun 2016 | 6 Oct 2020 |
| Utility: Device with rule based offers Filling date: 9 Sep 2025 Issue date: 6 Oct 2020 | 15 Apr 2016 | 6 Oct 2020 |
| Utility: Terminal type identification in interaction processing Filling date: 9 Sep 2025 Issue date: 29 Sep 2020 | 30 Jan 2019 | 29 Sep 2020 |
| Utility: Wireless short range communication link transmission of line item data in real time Filling date: 9 Sep 2025 Issue date: 29 Sep 2020 | 15 Dec 2015 | 29 Sep 2020 |
| Utility: Mobile device, method, and computer storage medium for determining an order of stored data items/payment account numbers based on location Filling date: 9 Sep 2025 Issue date: 22 Sep 2020 | 11 Oct 2019 | 22 Sep 2020 |
| Utility: Alternate mobile payment service Filling date: 9 Sep 2025 Issue date: 22 Sep 2020 | 27 Feb 2019 | 22 Sep 2020 |
| Utility: Automated access data provisioning Filling date: 9 Sep 2025 Issue date: 22 Sep 2020 | 20 Feb 2019 | 22 Sep 2020 |
| Utility: Emergency management system Filling date: 9 Sep 2025 Issue date: 22 Sep 2020 | 13 Jul 2018 | 22 Sep 2020 |
| Utility: System and method for identity protection using mobile device signaling network derived location pattern recognition Filling date: 9 Sep 2025 Issue date: 15 Sep 2020 | 17 May 2019 | 15 Sep 2020 |
| Utility: Systems and methods for updatable applets Filling date: 9 Sep 2025 Issue date: 15 Sep 2020 | 7 May 2019 | 15 Sep 2020 |
| Utility: Device using secure storage and retrieval of data Filling date: 9 Sep 2025 Issue date: 15 Sep 2020 | 26 Jun 2018 | 15 Sep 2020 |
| Utility: System and method for automated analysis comparing a wireless device location with another geographic location Filling date: 9 Sep 2025 Issue date: 15 Sep 2020 | 1 Feb 2018 | 15 Sep 2020 |
| Utility: Automated reissuance system for prepaid devices Filling date: 9 Sep 2025 Issue date: 15 Sep 2020 | 27 May 2016 | 15 Sep 2020 |
| Utility: Over the air update of payment transaction data stored in secure memory Filling date: 9 Sep 2025 Issue date: 8 Sep 2020 | 9 Jul 2018 | 8 Sep 2020 |
| Utility: Bank account number validation Filling date: 9 Sep 2025 Issue date: 8 Sep 2020 | 13 Nov 2017 | 8 Sep 2020 |
| Utility: Video matrix barcode system Filling date: 9 Sep 2025 Issue date: 8 Sep 2020 | 9 May 2017 | 8 Sep 2020 |
| Utility: Systems, methods and devices for transacting Filling date: 9 Sep 2025 Issue date: 8 Sep 2020 | 4 Apr 2014 | 8 Sep 2020 |
| Utility: Systems and methods for creating multiple records based on an ordered smart contract Filling date: 9 Sep 2025 Issue date: 1 Sep 2020 | 13 Jun 2018 | 1 Sep 2020 |
| Utility: Segmented data analysis using dynamic peer groupings and automated rule implementation platform Filling date: 9 Sep 2025 Issue date: 25 Aug 2020 | 13 Jan 2017 | 25 Aug 2020 |
