Patents by Inventor Kim Steele
Kim Steele 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: 10748147Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.Type: GrantFiled: June 3, 2019Date of Patent: August 18, 2020Assignee: Visa U.S.A. Inc.Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
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Publication number: 20190287104Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.Type: ApplicationFiled: June 3, 2019Publication date: September 19, 2019Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
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Patent number: 10346837Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.Type: GrantFiled: November 6, 2007Date of Patent: July 9, 2019Assignee: Visa U.S.A. Inc.Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van Deloo
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Patent number: 9898740Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: GrantFiled: May 8, 2014Date of Patent: February 20, 2018Assignee: Visa International Service AssociationInventors: Kevin Weller, Kim Steele, Krishna Koganti, Patrick Faith
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Publication number: 20140244511Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: ApplicationFiled: May 8, 2014Publication date: August 28, 2014Inventors: Kevin Weller, Kim Steele, Krishna Koganti, Patrick Faith
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Patent number: 8762279Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: GrantFiled: August 12, 2013Date of Patent: June 24, 2014Assignee: Visa International Service AssociationInventors: Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith
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Publication number: 20130339249Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: ApplicationFiled: August 12, 2013Publication date: December 19, 2013Inventors: Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith
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Patent number: 8533118Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: GrantFiled: November 5, 2009Date of Patent: September 10, 2013Assignee: Visa International Service AssociationInventors: Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith
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Publication number: 20100114776Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.Type: ApplicationFiled: November 5, 2009Publication date: May 6, 2010Inventors: Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith
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Publication number: 20090313134Abstract: Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.Type: ApplicationFiled: April 30, 2009Publication date: December 17, 2009Inventors: Patrick Faith, Krishna Prasad Koganti, Lori D. Van Deloo, Taylor Montgomery Mason, Kim Steele, Kevin Weller, Ayman Hammad, Kevin Eric Wong
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Publication number: 20080120214Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.Type: ApplicationFiled: November 6, 2007Publication date: May 22, 2008Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van Deloo