Patents by Inventor Michael Keresman
Michael Keresman 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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Publication number: 20180300726Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: ApplicationFiled: June 15, 2018Publication date: October 18, 2018Inventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Publication number: 20180232736Abstract: A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process.Type: ApplicationFiled: April 2, 2018Publication date: August 16, 2018Inventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Francis M. Sherwin
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Patent number: 10032166Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: July 24, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 10032165Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: July 24, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 10019712Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: November 20, 2012Date of Patent: July 10, 2018Assignee: CardinalCommerce CorporationInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Patent number: 9990627Abstract: A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.Type: GrantFiled: September 13, 2013Date of Patent: June 5, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Ravishankar S. Bhagavatula, Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Jeffry J. Bowman
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Publication number: 20180018662Abstract: A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).Type: ApplicationFiled: July 14, 2017Publication date: January 18, 2018Applicant: CardinalCommerce CorporationInventors: Erik Nils Enright, Adam Ratica, Michael A. Keresman, III, Francis M. Sherwin, Chandra S. Balasubramanian
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Publication number: 20170287289Abstract: A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network.Type: ApplicationFiled: June 9, 2017Publication date: October 5, 2017Applicant: CardinalCommerce CorporationInventors: John R. Lazzaro, Michael A. Keresman, III, Chandra Balasubramanian, Francis M. Sherwin
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Patent number: 9704353Abstract: A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network.Type: GrantFiled: August 1, 2011Date of Patent: July 11, 2017Assignee: CardinalCommerce CorporationInventors: John R. Lazzaro, Michael A. Keresman, III, Chandra Balasubramanian, Francis M. Sherwin
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Publication number: 20170017959Abstract: A method for obscuring a value of a sensitive data element includes: (a) receiving the sensitive data element, the sensitive data element being received over a data communications network (110) at a hardware computing device (142) of a trusted tokenization service provider (140); (b) generating a token corresponding to the received sensitive data element; (c) storing the token and sensitive data element in a memory device (146) such that they are correlated with one another; (d) providing the generated token to a first party (130) that uses the token in place of the sensitive data element in a request for authorization to complete a transaction, the request being sent from the first party (130); (e) intercepting the request for authorization including the token; (f) using the token contained in the intercepted request to look-up and retrieve the correlated sensitive data element in the memory device (160); (g) replacing the token contained in the request with the sensitive data element retrieved from the memoType: ApplicationFiled: July 18, 2016Publication date: January 19, 2017Applicant: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Francis M. Sherwin, Chandra Balasubramanian, Gary Bender, Ed Katzin, Mark Carlson
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Patent number: 9430769Abstract: A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description.Type: GrantFiled: October 15, 2008Date of Patent: August 30, 2016Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Francis M. Sherwin
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Publication number: 20160232529Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: ApplicationFiled: April 18, 2016Publication date: August 11, 2016Applicant: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Paul Turgeon
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Patent number: 9317850Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: GrantFiled: April 5, 2011Date of Patent: April 19, 2016Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Paul Turgeon
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Publication number: 20140372323Abstract: A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30).Type: ApplicationFiled: August 29, 2014Publication date: December 18, 2014Applicant: CardinalCommerce CorporationInventors: Chandra Balasubramanian, Francis Sherwin, Michael A. Keresman, III
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Publication number: 20140324682Abstract: A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.Type: ApplicationFiled: July 11, 2014Publication date: October 30, 2014Applicant: CARDINALCOMMERCE CORPORATIONInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Michael Roche, Scott Rauhe
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Patent number: 8825556Abstract: A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30).Type: GrantFiled: January 27, 2006Date of Patent: September 2, 2014Assignee: Cardinalcommerce CorporationInventors: Chandra Balasubramanian, Francis Sherwin, Michael A. Keresman, III
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Publication number: 20140222689Abstract: A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items.Type: ApplicationFiled: March 17, 2014Publication date: August 7, 2014Applicant: CARDINALCOMMERCE CORPORATIONInventors: Michael A. Keresman, III, Ravishankar S. Bhagavatula, Chandra S. Balasubramanian, Francis M. Sherwin
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Patent number: 8799152Abstract: A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.Type: GrantFiled: April 7, 2011Date of Patent: August 5, 2014Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Chandra Balasubramanian, Michael Roche, Scott Rauhe
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Publication number: 20140156532Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.Type: ApplicationFiled: February 10, 2014Publication date: June 5, 2014Applicant: CARDINALCOMMERCE CORPORATIONInventors: Chandra S. Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III
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Publication number: 20140108250Abstract: A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.Type: ApplicationFiled: September 13, 2013Publication date: April 17, 2014Applicant: CARDINALCOMMERCE CORPORATIONInventors: Chandra Balasubramanian, Francis M. Sherwin, Michael A. Keresman, III, Adam Ratica