Patents by Inventor John G. McDonald
John G. McDonald 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: 11968191Abstract: Various embodiments for sending a cryptogram to a point of sale terminal while disconnected from a network. In some embodiments, for example, a computing device that is configured to display a prompt for a selection of a transaction account. An encrypted session key is retrieved through a network in response to determining a number of session keys associated with the transaction account is below a threshold. The computing device is also configured to generate a session key based at least in part on decrypting the encrypted session key using an encryption key and establish a wireless connection with a point of sale terminal for a purchase. A cryptogram is generated from the session key based at least in part on the user device being disconnected from the network. The cryptogram is sent to the point of sale terminal.Type: GrantFiled: August 3, 2021Date of Patent: April 23, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
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Publication number: 20230206215Abstract: Disclosed are various embodiments for securely conducting online in-application purchases. In one example, among others, a system comprises a computing device that is configured to identify a purchase request from a merchant application executed on the computing device and authenticate an account with a wallet provider based at least in part on a selection of the account. The computing device is configured to receive an instruction from the wallet provider to execute a security library and determine that the computing device is secure by executing a security library. The execution of the security library generates a device response for the wallet provider. A security code is determined data received from the wallet provider. A token is transmitted for the purchase request to the wallet provider based at least in part on the security code.Type: ApplicationFiled: February 27, 2023Publication date: June 29, 2023Inventors: Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Keshav A. Narsipur
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Patent number: 11620641Abstract: A system may identify a purchase transaction request from a merchant application and generate an in-app payment cryptogram for the purchase transaction request based on a limited use payment credential (LUPC). The in-app payment cryptogram may be provided to the merchant application. The merchant application may transmit the in-app payment cryptogram to a merchant computing device. A request may be received from a payment network to update the LUPC. A security library may be executed to determine that the client device is secure. The execution of the security library may generate a device attestation response, and the device attestation response is transmitted to the payment network. An updated LUPC may be received from the payment network.Type: GrantFiled: March 18, 2021Date of Patent: April 4, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Keshav A. Narsipur
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Publication number: 20220300961Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.Type: ApplicationFiled: June 2, 2022Publication date: September 22, 2022Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 11361314Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction; reading the emulated track data from the wireless signal; generating a transaction payload, wherein the transaction payload contains transaction account data and a dynamically generated digital signature value from the emulated track data of the wireless signal; transmitting the transaction payload to an authorization network server; receiving an authorization instruction from the authorization network server for handling payment of the transaction; and processing the payment of the transaction in accordance with the authorization instruction.Type: GrantFiled: January 15, 2021Date of Patent: June 14, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 11108746Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.Type: GrantFiled: May 24, 2018Date of Patent: August 31, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
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Patent number: 10997590Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.Type: GrantFiled: November 9, 2015Date of Patent: May 4, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Keshav A. Narsipur
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Patent number: 10929844Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: August 15, 2019Date of Patent: February 23, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY. INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20190370801Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: August 15, 2019Publication date: December 5, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 10423953Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: April 11, 2018Date of Patent: September 24, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20180278589Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.Type: ApplicationFiled: May 24, 2018Publication date: September 27, 2018Applicant: American Express Travel Related Services Company, Inc.Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
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Publication number: 20180232733Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: April 11, 2018Publication date: August 16, 2018Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 10007911Abstract: Systems and methods for rapidly provisioning functionality to one or more mobile communication devices are disclosed. The method may comprise generating, prior to a request for the functionality, a globally unique identifier (“GUID”) encryption key, wherein the GUID comprises a unique identifier that may be associated with a transaction account customer, generating a value associated with the GUID, deriving, based on the value, a plurality of base encryption keys associated with the value, creating, a perso-script, wherein the perso-script comprises a file associated with data associated with a customer, and/or creating a proto-script, wherein the proto-script comprises the perso-script prepended by a script to rotate the plurality of base encryption keys.Type: GrantFiled: May 26, 2016Date of Patent: June 26, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventor: John G. McDonald
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Patent number: 10009324Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.Type: GrantFiled: December 4, 2015Date of Patent: June 26, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Curtis Watson
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Patent number: 9972007Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: February 16, 2017Date of Patent: May 15, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 9843588Abstract: The present disclosure includes a system, method, and article of manufacture for lossless compression of data and high speed manipulation of the data. The method may comprise associating a customer with a plurality of levels, and counting, in near real time, a number of transactions at each level in the plurality of levels based on a transaction history of the customer at each of a plurality of merchants. The method may further comprise counting the number of transactions during a time period. Similarly, the method may comprise determining an opportunity comprising an offer based upon the counting, determining an opportunity based upon a count indicating a transaction by the customer with a merchant, and/or determining an opportunity with a first merchant based upon a count indicating a transaction by the customer with a second merchant.Type: GrantFiled: December 12, 2014Date of Patent: December 12, 2017Assignee: III Holdings 1, LLCInventors: Richard A. Evans, Glen E. Graf, Joseph Lesko, John G. McDonald, Christina L. Richards
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Publication number: 20170161738Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: February 16, 2017Publication date: June 8, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 9613306Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: December 3, 2015Date of Patent: April 4, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20170061272Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: December 3, 2015Publication date: March 2, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20160381010Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.Type: ApplicationFiled: December 4, 2015Publication date: December 29, 2016Applicant: American Express Travel Related Services Company, Inc.Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Curtis Watson