Patrick R Faith

US Patent:

8121942, Feb 21, 2012

Filed:

Jun 20, 2008

Appl. No.:

12/143509

Inventors:

Mark Carlson - Cupertino CA, US
Surendra Keshan - Cupertino CA, US
Patrick Faith - Pleasanton CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 39, 705 26, 705 44

Abstract:

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.

US Patent:

20070055630, Mar 8, 2007

Filed:

Apr 5, 2006

Appl. No.:

11/398887

Inventors:

Patrick Gauthier - Mountain View CA, US
Brian Maw - Belmont CA, US
Patrick Faith - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

Assignee:

Visa U.S.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705044000

Abstract:

A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

US Patent:

20230016563, Jan 19, 2023

Filed:

Sep 16, 2022

Appl. No.:

17/946440

Inventors:

- San Francisco CA, US
Surendra Keshan - Cupertino CA, US
Patrick Faith - Foster City CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 20/12
G06Q 20/02
G06Q 20/10
G06Q 20/20
G06Q 20/36
G06Q 20/40
G06Q 30/06
G06Q 40/00
G06Q 40/02
G06Q 20/38
G06Q 20/32
G06Q 20/00

Abstract:

Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus allowing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

US Patent:

20160227401, Aug 4, 2016

Filed:

Feb 3, 2016

Appl. No.:

15/014535

Inventors:

Cesar Otero - East Palo Alto CA, US
Patrick Faith - Pleasanton CA, US

International Classification:

H04W 12/04
H04L 29/06

Abstract:

One embodiment of the invention is directed to a method comprising receiving a plurality of data packets including encoded data. The method further comprises determining a plurality of time delays between the plurality of data packets, and translating the plurality of time delays to obtain a decoding key for decoding the encoded data in the data packets. The decoding key may be used to decode the encoded data to obtain the data.

US Patent:

20140258113, Sep 11, 2014

Filed:

May 12, 2014

Appl. No.:

14/275715

Inventors:

Patrick Gauthier - Mountain View CA, US
Brian Maw - Belmont CA, US
Patrick Faith - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

International Classification:

G06Q 20/38
G06Q 20/34

US Classification:

705 41

Abstract:

A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

US Patent:

20140249945, Sep 4, 2014

Filed:

May 12, 2014

Appl. No.:

14/275718

Inventors:

Patrick Gauthier - Mountain View CA, US
Brian Maw - Belmont CA, US
Patrick Faith - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

International Classification:

G06Q 20/34
G06Q 20/38
G06Q 20/20

US Classification:

705 17

Abstract:

A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.