Patents by Inventor Bryan L. Manka

Bryan L. Manka 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).

  • Publication number: 20230206226
    Abstract: An example method for provisioning tokens in a networked computing environment including merchants participating in payment networks involves (1) receiving a request to provide a merchant with a secondary token for a purchase card having an associated primary account number (PAN), wherein the secondary token (i) is associated with a secondary payment network and is to serve as an alternative to a primary token for the purchase card that is associated with a primary payment network, and (ii) comprises a computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) generating the secondary token for the purchase card, and (3) transmitting the secondary token for the purchase card, wherein the secondary token for the purchase card is thereafter utilized by the merchant to process one or more network-based financial transactions involving the purchase card.
    Type: Application
    Filed: February 24, 2023
    Publication date: June 29, 2023
    Inventors: Bryan L. Manka, George Danforth
  • Publication number: 20230143954
    Abstract: An example method for provisioning tokens in a networked computing environment including merchants participating in payment networks involves (1) for a purchase card having an associated primary account number (PAN), (i) transmitting a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmitting a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) receiving and storing at least the requested secondary token for the purchase card; (3) receiving a request to initiate a given network-based financial transaction, and (4) transmitting an authorization request for the given network-based financial transaction that includes the secondary toke
    Type: Application
    Filed: January 2, 2023
    Publication date: May 11, 2023
    Inventors: Bryan L. Manka, George Danforth
  • Publication number: 20230145530
    Abstract: An example method for provisioning tokens in a networked computing environment including merchants participating in payment networks involves (1) obtaining a first token for a purchase card with an associated primary account number (PAN), the first token comprising a first identifier available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) storing the first token, (3) obtaining a second token for the purchase card comprising a second identifier available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (4) storing the second token, (5) selecting one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and (6) transmitting an authorization request for the given network-based financial transaction that includes the selected one of the stored first or second tokens.
    Type: Application
    Filed: January 2, 2023
    Publication date: May 11, 2023
    Inventors: Bryan L. Manka, George Danforth
  • Patent number: 11544706
    Abstract: Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.
    Type: Grant
    Filed: April 26, 2019
    Date of Patent: January 3, 2023
    Assignee: Discover Financial Services
    Inventors: Bryan L. Manka, George Danforth
  • Publication number: 20200342454
    Abstract: Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.
    Type: Application
    Filed: April 26, 2019
    Publication date: October 29, 2020
    Inventors: Bryan L. Manka, George Danforth