| Utility: System, Method, and Computer Program Product for Evolutionary Learning in Verification Template Matching During Biometric Authentication Filling date: 8 Sep 2025 Issue date: 16 Jun 2022 | 11 Dec 2020 | 16 Jun 2022 |
| Utility: COMPUTER-IMPLEMENTED METHOD, SYSTEM, AND PRODUCT FOR PROCESSING A LOAN REQUEST Filling date: 8 Sep 2025 Issue date: 16 Jun 2022 | 21 Jun 2019 | 16 Jun 2022 |
| Utility: Provisioning transferable access tokens Filling date: 8 Sep 2025 Issue date: 14 Jun 2022 | 30 Jun 2020 | 14 Jun 2022 |
| Utility: Systems, Methods, and Computer Program Products for Authenticating Devices Filling date: 8 Sep 2025 Issue date: 9 Jun 2022 | 25 Feb 2022 | 9 Jun 2022 |
| Utility: Method, System, and Computer Program Product for Maintaining Data Centers Filling date: 8 Sep 2025 Issue date: 9 Jun 2022 | 24 Feb 2022 | 9 Jun 2022 |
| Utility: METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING ACCESS IN A NETWORK OF SERVERS Filling date: 8 Sep 2025 Issue date: 9 Jun 2022 | 18 Apr 2019 | 9 Jun 2022 |
| Utility: Multi-purpose device having multiple certificates including member certificate Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 14 Sep 2020 | 7 Jun 2022 |
| Utility: Systems and methods to generate a location dependent alert in a mobile device of a user Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 24 Jan 2020 | 7 Jun 2022 |
| Utility: Acoustic signatures for voice-enabled computer systems Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 20 Dec 2019 | 7 Jun 2022 |
| Utility: System, method, and computer program product for authenticating a user for a transaction Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 14 Aug 2019 | 7 Jun 2022 |
| Utility: Smart routing Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 1 May 2019 | 7 Jun 2022 |
| Utility: Smart shopping cart with E-wallet store injection search Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 11 Jan 2019 | 7 Jun 2022 |
| Utility: System, method, and computer program product for generating location-based risk assessments of service provider transaction requests Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 3 Oct 2018 | 7 Jun 2022 |
| Utility: Secure remote token release with online authentication Filling date: 8 Sep 2025 Issue date: 7 Jun 2022 | 16 Aug 2018 | 7 Jun 2022 |
| Utility: SYSTEMS AND METHODS FOR COMMUNICATING RISK USING TOKEN ASSURANCE DATA Filling date: 8 Sep 2025 Issue date: 2 Jun 2022 | 18 Feb 2022 | 2 Jun 2022 |
| Utility: DIRECT EXTENDED REACH SYSTEM AND METHOD Filling date: 8 Sep 2025 Issue date: 2 Jun 2022 | 5 Jun 2020 | 2 Jun 2022 |
| Utility: Methodology to prevent screen capture of sensitive data in mobile apps Filling date: 8 Sep 2025 Issue date: 31 May 2022 | 28 Aug 2018 | 31 May 2022 |
| Utility: PROXIMITY INTERACTION SYSTEM INCLUDING SECURE ENCRYPTION SCHEME Filling date: 8 Sep 2025 Issue date: 26 May 2022 | 14 Feb 2022 | 26 May 2022 |
| Utility: MANAGEMENT OF DATA WAREHOUSE FOR ELECTRONIC PAYMENT TRANSACTION PROCESSING NETWORKS Filling date: 8 Sep 2025 Issue date: 26 May 2022 | 11 Feb 2022 | 26 May 2022 |
| Utility: AUTHENTICATION SYSTEM WITH MESSAGE CONVERSION Filling date: 8 Sep 2025 Issue date: 26 May 2022 | 10 Feb 2022 | 26 May 2022 |
| Utility: SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR GENERATING ENHANCED N-GRAM MODELS Filling date: 8 Sep 2025 Issue date: 26 May 2022 | 4 May 2020 | 26 May 2022 |
| Utility: Travel destination predictor Filling date: 8 Sep 2025 Issue date: 24 May 2022 | 22 Jan 2020 | 24 May 2022 |
| Utility: Automatic account identifier detection and authorization Filling date: 8 Sep 2025 Issue date: 24 May 2022 | 23 Aug 2019 | 24 May 2022 |
| Utility: System, method, and apparatus for verifying a user identity Filling date: 8 Sep 2025 Issue date: 24 May 2022 | 9 Oct 2018 | 24 May 2022 |
| Utility: Mobile tokenization hub using dynamic identity information Filling date: 8 Sep 2025 Issue date: 24 May 2022 | 19 Apr 2018 | 24 May 2022 |
| Utility: REPLAY SPOOFING DETECTION FOR AUTOMATIC SPEAKER VERIFICATION SYSTEM Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 1 Feb 2022 | 19 May 2022 |
| Utility: Method, System, and Computer Program Product for Automatically Providing Items Based on Item Preferences Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 28 Jan 2022 | 19 May 2022 |
| Utility: Transition Regularized Matrix Factorization For Sequential Recommendation Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 28 Jan 2022 | 19 May 2022 |
| Utility: METHODS AND SYSTEMS OF USING A CRYPTOCURRENCY SYSTEM TO MANAGE PAYMENTS AND PAYMENT ALTERNATIVES Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 27 Jan 2022 | 19 May 2022 |
| Utility: Method, System, and Computer Program Product for Training Distributed Machine Learning Models Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 17 Nov 2020 | 19 May 2022 |
| Utility: CROSS-BORDER QUICK RESPONSE (QR) PAYMENT FLOW FOR ENCRYPTED PRIMARY ACCOUNT NUMBER (PAN) PAYMENT FLOW Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 18 Jun 2019 | 19 May 2022 |
| Utility: SYSTEM AND METHOD FOR AUTHORIZING A TRANSACTION Filling date: 8 Sep 2025 Issue date: 19 May 2022 | 12 Jun 2019 | 19 May 2022 |
| Utility: Mirrored token vault Filling date: 8 Sep 2025 Issue date: 17 May 2022 | 22 May 2020 | 17 May 2022 |
| Utility: Methods, systems, and apparatuses for detecting merchant category code shift behavior Filling date: 8 Sep 2025 Issue date: 17 May 2022 | 3 Jan 2020 | 17 May 2022 |
| Utility: Methods and systems for evaluating a face recognition system using a face mountable device Filling date: 8 Sep 2025 Issue date: 17 May 2022 | 19 Nov 2019 | 17 May 2022 |
| Utility: System, method, and computer program product to determine cuisine type classifiers Filling date: 8 Sep 2025 Issue date: 17 May 2022 | 29 Oct 2019 | 17 May 2022 |
| Utility: BROWSER INTEGRATION WITH CRYPTOGRAM Filling date: 8 Sep 2025 Issue date: 12 May 2022 | 27 Jan 2022 | 12 May 2022 |
| Utility: SYSTEM AND METHODS FOR ONLINE/OFFLINE SYNCHRONIZATION Filling date: 8 Sep 2025 Issue date: 12 May 2022 | 25 Jan 2022 | 12 May 2022 |
| Utility: FALLBACK AUTHORIZATION ROUTING Filling date: 8 Sep 2025 Issue date: 12 May 2022 | 20 Jan 2022 | 12 May 2022 |
| Utility: AUTOMATED ACCESS DEVICE INTERACTION PROCESSING Filling date: 8 Sep 2025 Issue date: 12 May 2022 | 1 May 2019 | 12 May 2022 |
| Utility: Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items Filling date: 8 Sep 2025 Issue date: 10 May 2022 | 28 Oct 2020 | 10 May 2022 |
| Utility: Unique token authentication verification value Filling date: 8 Sep 2025 Issue date: 10 May 2022 | 4 Jun 2019 | 10 May 2022 |
| Utility: System and method for dynamic knowledge-based authentication Filling date: 8 Sep 2025 Issue date: 10 May 2022 | 29 May 2019 | 10 May 2022 |
| Utility: Method, system, and computer program product for processing a transaction initiated using an electronic wallet Filling date: 8 Sep 2025 Issue date: 10 May 2022 | 4 Apr 2019 | 10 May 2022 |
| Utility: Systems and methods to provide a user interface for redemption of loyalty rewards Filling date: 8 Sep 2025 Issue date: 10 May 2022 | 23 Apr 2018 | 10 May 2022 |
| Utility: Keyboard Application With Third Party Engagement Selectable Items Filling date: 8 Sep 2025 Issue date: 5 May 2022 | 18 Jan 2022 | 5 May 2022 |
| Utility: Method, System, and Computer Program Product for Providing Installment Payment Options for a Payment Transaction Filling date: 8 Sep 2025 Issue date: 5 May 2022 | 14 Jan 2022 | 5 May 2022 |
| Utility: Method, System, and Computer Program Product for Configuring at Least One Rule via a Graphical User Interface Filling date: 8 Sep 2025 Issue date: 5 May 2022 | 11 Jan 2022 | 5 May 2022 |
| Utility: Method, System, and Computer Program Product for Recurrent Neural Networks for Asynchronous Sequences Filling date: 8 Sep 2025 Issue date: 5 May 2022 | 29 Oct 2021 | 5 May 2022 |
| Utility: ONE-TIME WIRELESS AUTHENTICATION OF AN INTERNET-OF-THINGS DEVICE Filling date: 8 Sep 2025 Issue date: 5 May 2022 | 5 Nov 2020 | 5 May 2022 |
