Janet D Roth

US Patent:

7707120, Apr 27, 2010

Filed:

Feb 19, 2003

Appl. No.:

10/370149

Inventors:

Benedicto H. Dominguez - San Bruno CA, US
Thomas J. Manessis - Pacifica CA, US
Janet T. Roth - Oakland CA, US
Pascal Achille Caillon - San Francisco CA, US
Jason Spielman - Austin TX, US
Terence Spielman - Austin TX, US
James Donald Reno - Scotts Valley CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06F 17/60

US Classification:

705 78, 705 30, 705 67, 705 64

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

US Patent:

8019691, Sep 13, 2011

Filed:

Sep 10, 2003

Appl. No.:

10/660263

Inventors:

Benedicto H. Dominguez - San Bruno CA, US
Thomas J. Manessis - Pacifica CA, US
Melody L. Rutherford - San Francisco CA, US
Sandra Salvatori - Sausalito CA, US
Janet T. Roth - Oakland CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 20/00

US Classification:

705 78, 235380

Abstract:

Authenticating the identity and validating the profile of an individual who presents himself to another party as having a certain identity and corresponding profile data occurs during an Internet transaction. A trusted party gives a definitive answer regarding the authentication of identity and validity of profile data. The trusted party can be a financial institution that has an established relationship with the individual. For example, the financial institution can be a bank that issues a debit or credit card to the individual. The trusted party can also provide the profile data of the individual to the other party, rather than have the individual provide such data. The trusted party can also update the individual's profile data held by the other party when such data is no longer current.

US Patent:

20100063895, Mar 11, 2010

Filed:

Nov 12, 2009

Appl. No.:

12/617135

Inventors:

Benedicto H. Dominguez - San Bruno CA, US
Thomas J. Manessis - Pacifica CA, US
Janet T. Roth - Oakland CA, US
Pascal Achille Caillon - San Francisco CA, US
Jason Spielman - Austin TX, US
Terence Spielman - Austin TX, US
James Donald Reno - Scotts Valley CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06Q 20/00
G06Q 30/00

US Classification:

705 26

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.

US Patent:

20120066129, Mar 15, 2012

Filed:

Aug 4, 2011

Appl. No.:

13/198395

Inventors:

Benedicto H. Dominguez - San Bruno CA, US
Thomas J. Manessis - Pacifica CA, US
Melody L. Rutherford - San Francisco CA, US
Sandra Salvatori - Sausalito CA, US
Janet T. Roth - Oakland CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

H04L 9/32
G06Q 40/00

US Classification:

705 44, 726 7

Abstract:

Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

US Patent:

20120066130, Mar 15, 2012

Filed:

Aug 4, 2011

Appl. No.:

13/198447

Inventors:

Benedicto H. Dominguez - San Bruno CA, US
Thomas J. Manessis - Pacifica CA, US
Melody L. Rutherford - San Francisco CA, US
Sandra Salvatori - Sausalito CA, US
Janet T. Roth - Oakland CA, US

Assignee:

Visa International Service Association - Foster City CA

International Classification:

H04L 9/32
G06Q 40/00

US Classification:

705 44, 726 7

Abstract:

Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

US Patent:

62983369, Oct 2, 2001

Filed:

Dec 18, 1998

Appl. No.:

9/216509

Inventors:

Virgil M. Davis - Los Altos CA
Janet T. Roth - Oakland CA

Assignee:

Visa International Service Association - Foster City CA

International Classification:

G06F 1760

US Classification:

705 41

Abstract:

Secure activation of stored value cards at a point of distribution uses a portable activation secure application module (ASAM) within the card dispensing machine to activate each card. Each card has a standard user mode and a security user mode. In the standard user mode the card is activated and ready for use. In the security user mode the card is not active and cannot be used to make a purchase. An issuer supplies an issuer activation key to a card supplier who produces a security code which is stored on a stored value card. Cards are supplied to the issuer in security user mode, and stored in a dispensing machine. The issuer activation key is also relayed to the dispensing machine and stored on the ASAM. Upon purchase by a customer, the issuer activation key is used within the machine by the ASAM to reproduce the security code and to activate a card. An activation control counter (ACC) is stored within the ASAM and is decremented for every attempt at activation of a card.

US Patent:

20170366530, Dec 21, 2017

Filed:

Aug 8, 2017

Appl. No.:

15/672116

Inventors:

Benedicto Dominguez - San Bruno CA, US
Thomas Manessis - Pacifica CA, US
Janet Roth - Oakland CA, US
Pascal Achille Caillon - San Francisco CA, US
Jason Spielman - Austin TX, US
Terence Spielman - Austin TX, US
James Donald Reno - Scotts Valley CA, US

International Classification:

H04L 29/06
G06Q 40/00
G07F 7/10
G06Q 30/06
G06Q 20/42
G06Q 20/08
G06Q 20/38
G06Q 20/36
G06Q 20/34
G06Q 20/32
G06Q 20/12
G06Q 20/02
G06Q 20/40

Abstract:

A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. 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, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.