Robert W Klotz

US Patent:

20100185545, Jul 22, 2010

Filed:

Jan 22, 2009

Appl. No.:

12/357579

Inventors:

Vijay K. Royyuru - Norristown PA, US
Robert P. Klotz - Lafayette Hill PA, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

H04L 9/30
G06Q 40/00

US Classification:

705 67

Abstract:

Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.

US Patent:

20120317035, Dec 13, 2012

Filed:

Jun 11, 2012

Appl. No.:

13/493316

Inventors:

Vijay K. Royyuru - Norristown PA, US
Robert P. Klotz - Lafayette Hill PA, US
John Fullett - Atlanta GA, US
Nancy Loomis - San Diego CA, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 20/40
G06Q 20/20

US Classification:

705 71, 705 16, 705 18

Abstract:

Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are use for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.

US Patent:

20190333139, Oct 31, 2019

Filed:

May 7, 2019

Appl. No.:

16/405681

Inventors:

- Coral Springs FL, US
Robert P. Klotz - Lafayette Hill PA, US
John Fullett - Atlanta GA, US
Nancy Loomis - San Diego CA, US

Assignee:

First Data Corporation - Coral Springs FL

International Classification:

G06Q 40/02
G06Q 20/38
G06Q 20/34
G06Q 20/20
H04L 9/08
G06Q 20/04
G06Q 30/06
G06Q 20/36

Abstract:

Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.

US Patent:

20180315043, Nov 1, 2018

Filed:

Jul 5, 2018

Appl. No.:

16/028063

Inventors:

- Coral Spirngs FL, US
Robert P. Klotz - Lafayette Hill PA, US

Assignee:

First Data Corporation - Coral Springs FL

International Classification:

G06Q 20/36
G06Q 40/02
G06Q 20/04
G06Q 30/06
G06Q 20/38
G06Q 20/34
H04L 9/16

Abstract:

Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.

US Patent:

20160063496, Mar 3, 2016

Filed:

Feb 27, 2014

Appl. No.:

14/784542

Inventors:

Vijay Kumar Royyuru - Norristown PA, US
Brent Dewayne Adkisson - Omaha NE, US
Daniel Carnes - Bellevue NE, US
Paul Johannesen - West Chester PA, US
Robert Klotz - Lafayette Hill PA, US
Brian Kean - Missouri Valley IA, US

International Classification:

G06Q 20/40
G06Q 20/20
G06Q 20/38
H04L 9/32
H04L 29/06

Abstract:

Embodiments of the disclosure can provide systems, methods, and apparatus for remote secure transactions. In one embodiment, a payment processing system can be provided, which can include a network interface communicating with a memory, the memory communicating with a processor for executing payments, and the processor, when executing a computer program, performing operations. The operations can include storing, by the processor and to a memory associated with the payment processing system, account information associated with the consumer mobile system, and receiving, by the processor and from a consumer mobile device, a request, wherein the request comprises an account identifier associated with the consumer mobile device. The operations can also include validating, by the processor and from a consumer mobile device, the consumer mobile device based at least in part on the account identifier, and sending, by the processor, payment processing data, based on the validation.