Stephen H Ryan

US Patent:

7827115, Nov 2, 2010

Filed:

Apr 24, 2001

Appl. No.:

09/842313

Inventors:

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US
James Donald Reno - Scotts Valley CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 99/00

US Classification:

705 78, 705 64, 705 72, 705 44

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

7991701, Aug 2, 2011

Filed:

Sep 1, 2010

Appl. No.:

12/873869

Inventors:

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US
James Donald Reno - Scotts Valley CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 99/00

US Classification:

705 78, 705 64, 705 65, 705 72, 705 79, 713150

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

20030212642, Nov 13, 2003

Filed:

Mar 11, 2003

Appl. No.:

10/384735

Inventors:

Kevin Weller - San Francisco CA, US
Stephen Ryan - Half Moon Bay CA, US
Peter Hill - Montecito CA, US
Thomas Manessis - Pacifica CA, US
Tony Lewis - Castro Valley CA, US
Benedicto Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US

Assignee:

Visa International Service Association

International Classification:

G06F017/60

US Classification:

705/067000

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

20080301056, Dec 4, 2008

Filed:

Feb 20, 2008

Appl. No.:

12/034606

Inventors:

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US

International Classification:

H04L 9/32

US Classification:

705 67

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

20100057619, Mar 4, 2010

Filed:

Apr 6, 2009

Appl. No.:

12/419115

Inventors:

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US
James Donald Reno - Scotts Valley CA, US
Liane Redford - Redwood City CA, US
Philipe Levy - Belmont CA, US
Trudy Hill - Foster City CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - Foster City CA

International Classification:

H04L 9/32
G06Q 20/00
H04M 3/42

US Classification:

705 67, 4554141

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

20180075452, Mar 15, 2018

Filed:

Nov 20, 2017

Appl. No.:

15/818301

Inventors:

Kevin D. Weller - San Anselmo CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro CA, US
James Donald Reno - Scotts Valley CA, US
Liane Redford - San mateo CA, US
Philippe Levy - Belmont CA, US
Trudy Hill - Foster City CA, US

International Classification:

G06Q 20/40
G07F 7/10
G06Q 20/02
G06Q 20/38
G06Q 20/36
G06Q 20/34
G06Q 20/12
G06Q 20/08
G06Q 20/04

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.

US Patent:

20160358175, Dec 8, 2016

Filed:

Jul 21, 2016

Appl. No.:

15/216516

Inventors:

Kevin D. Weller - San Anselmo CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Essex CT, US
Thomas Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US
James Reno - Scotts Valley CA, US

International Classification:

G06Q 20/40
G06Q 20/38

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.