Patents by Inventor Benedicto Dominguez
Benedicto Dominguez has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10896452Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: GrantFiled: February 28, 2017Date of Patent: January 19, 2021Assignee: Visa International Service AssociationInventors: Benedicto Dominguez, Douglas Fisher, Julie Chan
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Publication number: 20180268404Abstract: A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.Type: ApplicationFiled: May 16, 2018Publication date: September 20, 2018Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Patent number: 9916578Abstract: A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and, if the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant's website.Type: GrantFiled: February 13, 2014Date of Patent: March 13, 2018Assignee: Visa International Service AssociationInventor: Benedicto Dominguez
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Publication number: 20170366530Abstract: 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.Type: ApplicationFiled: August 8, 2017Publication date: December 21, 2017Inventors: Benedicto Dominguez, Thomas Manessis, Janet Roth, Pascal Achille Caillon, Jason Spielman, Terence Spielman, James Donald Reno
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Publication number: 20170193511Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: ApplicationFiled: February 28, 2017Publication date: July 6, 2017Inventors: Benedicto Dominguez, Douglas Fisher, Julie Chan
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Patent number: 9582799Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: GrantFiled: April 10, 2013Date of Patent: February 28, 2017Assignee: Visa International Service AssociationInventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Patent number: 8924301Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: GrantFiled: November 27, 2012Date of Patent: December 30, 2014Assignee: Visa International Service AssociationInventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20140164253Abstract: A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and, if the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment, verification response to the merchant's website.Type: ApplicationFiled: February 13, 2014Publication date: June 12, 2014Inventor: Benedicto Dominguez
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Patent number: 8688543Abstract: A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and it the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant's website.Type: GrantFiled: August 29, 2007Date of Patent: April 1, 2014Assignee: Visa International Service AssociationInventor: Benedicto Dominguez
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Publication number: 20130232079Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: ApplicationFiled: April 10, 2013Publication date: September 5, 2013Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20130191282Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: ApplicationFiled: November 27, 2012Publication date: July 25, 2013Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Patent number: 8346666Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: GrantFiled: January 19, 2011Date of Patent: January 1, 2013Assignee: Visa Intellectual Service AssociationInventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20110178925Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: ApplicationFiled: January 19, 2011Publication date: July 21, 2011Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20110178926Abstract: A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.Type: ApplicationFiled: January 19, 2011Publication date: July 21, 2011Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20110178927Abstract: Systems, apparatuses, and methods for receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer. Upon receiving the verification message, searching for the account using the information of the verification message.Type: ApplicationFiled: January 19, 2011Publication date: July 21, 2011Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20080071682Abstract: A method for minimizing risk of a consumer performing a fraudulent Internet purchase transactions using a transaction card is disclosed herein, the method comprising receiving an enrollment verification request for a transaction from a merchant's website, transmitting the enrollment verification request to an access control server; receiving an enrollment verification response from the access control server, determining whether the transaction is risky based on at least a portion of the enrollment verification request, if the transaction is not risky, forwarding the enrollment verification response to the merchant website and it the transaction is risky, modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant's website.Type: ApplicationFiled: August 29, 2007Publication date: March 20, 2008Applicant: Visa International Service AssociationInventor: Benedicto Dominguez
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Publication number: 20070257103Abstract: The method for authenticating a mail order or telephone order transaction according to the present invention includes receiving authentication information from a cardholder, providing authentication information to an issuer, and determining whether the authentication information is valid. If the authentication information is valid, the issuer informs the merchant that the transaction is valid. In an embodiment, the issuer may not supply a personal assurance message and/or other confidential cardholder information previously supplied by the cardholder in response to the authentication information.Type: ApplicationFiled: March 2, 2007Publication date: November 8, 2007Inventors: Douglas Fisher, Benedicto Dominguez, Timothy Lee