Patents by Inventor Patrick Ryan Flanagan
Patrick Ryan Flanagan 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: 20230325812Abstract: A system and method for receiving a request convert a representation of value into a value token. The system receiving an indication of the specific purchasing activity. The system determining a geographic location of the specific purchasing activity. The system converting the representation of value into the value token. The system pausing providing the value token for a period of time based on the geographic location of the specific purchasing activity.Type: ApplicationFiled: June 13, 2023Publication date: October 12, 2023Applicant: Blackhawk Network, Inc.Inventors: Tomas Ariel CAMPOS, Patrick Ryan Flanagan
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Patent number: 11622267Abstract: Provided is a system, method, and computer program product for conducting secure transactions with at least two appliances. The method includes monitoring audio data with a first appliance including a processor, a speaker, and a microphone; detecting, with the first appliance, an audible request to initiate a transaction from a user from the audio data; communicating, with the first appliance, a transaction request to at least one remote server in response to detecting the audible request to initiate the transaction; detecting, with the first appliance, a credential message received by the first appliance directly from a second appliance via an audio transmission, the credential message corresponding to the transaction request and including a limited use key provided to the second appliance from the at least one remote server or another remote server; and in response to detecting the credential message, initiating, with the first appliance, the transaction based on the limited use key.Type: GrantFiled: January 14, 2020Date of Patent: April 4, 2023Assignee: Visa International Service AssociationInventor: Patrick Ryan Flanagan
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Publication number: 20230098860Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: ApplicationFiled: November 28, 2022Publication date: March 30, 2023Applicant: Blackhawk Network, Inc.Inventors: Tomas Ariel CAMPOS, Patrick Ryan Flanagan
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Patent number: 11544700Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: GrantFiled: September 22, 2021Date of Patent: January 3, 2023Assignee: Blackhawk Network, Inc.Inventors: Tomas Ariel Campos, Patrick Ryan Flanagan
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Publication number: 20220383291Abstract: Provided herein are systems and methods for rapid activation of electronic payment devices with a mobile device. The method includes generating, with at least one processor, activation data corresponding to a non-activated electronic payment device issued to a user, storing, on an activation element associated with the electronic payment device, a unique identifier corresponding to the electronic payment device, receiving, with at least one processor, an activation request from a mobile device in response to the user scanning the activation element with the mobile device, the activation request comprising identification data associated with the user and the unique identifier, determining, with at least one processor, that the activation data matches the identification data, and, in response to determining that the activation data matches the identification data, activating the electronic payment device.Type: ApplicationFiled: August 11, 2022Publication date: December 1, 2022Inventors: Patrick Ryan Flanagan, Christopher Carlisle Weber
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Patent number: 11443295Abstract: Provided herein are systems and methods for rapid activation of electronic payment devices with a mobile device. The method includes generating, with at least one processor, activation data corresponding to a non-activated electronic payment device issued to a user, storing, on an activation element associated with the electronic payment device, a unique identifier corresponding to the electronic payment device, receiving, with at least one processor, an activation request from a mobile device in response to the user scanning the activation element with the mobile device, the activation request comprising identification data associated with the user and the unique identifier, determining, with at least one processor, that the activation data matches the identification data, and, in response to determining that the activation data matches the identification data, activating the electronic payment device.Type: GrantFiled: January 17, 2019Date of Patent: September 13, 2022Assignee: Visa International Service AssociationInventors: Patrick Ryan Flanagan, Christopher Carlisle Weber
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Patent number: 11315571Abstract: A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.Type: GrantFiled: November 28, 2018Date of Patent: April 26, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Archana Reddy Manchireddy, Sumit Amar, Patrick Ryan Flanagan, Srinivas Bhagavathula, Miranda Morgan, Meryl Lazer
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Publication number: 20220005021Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: ApplicationFiled: September 22, 2021Publication date: January 6, 2022Applicant: Blackhawk Network, Inc.Inventors: Tomas Ariel CAMPOS, Patrick Ryan Flanagan
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Publication number: 20210224790Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: ApplicationFiled: April 1, 2021Publication date: July 22, 2021Applicant: Blackhawk Network, Inc.Inventors: Tomas Ariel CAMPOS, Patrick Ryan Flanagan
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Patent number: 10970714Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: GrantFiled: November 20, 2013Date of Patent: April 6, 2021Assignee: Blackhawk Network, Inc.Inventors: Tomas Ariel Campos, Patrick Ryan Flanagan
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Publication number: 20200349549Abstract: Provided herein are systems and methods for rapid activation of electronic payment devices with a mobile device. The method includes generating, with at least one processor, activation data corresponding to a non-activated electronic payment device issued to a user, storing, on an activation element associated with the electronic payment device, a unique identifier corresponding to the electronic payment device, receiving, with at least one processor, an activation request from a mobile device in response to the user scanning the activation element with the mobile device, the activation request comprising identification data associated with the user and the unique identifier, determining, with at least one processor, that the activation data matches the identification data, and, in response to determining that the activation data matches the identification data, activating the electronic payment device.Type: ApplicationFiled: January 17, 2019Publication date: November 5, 2020Inventors: Patrick Ryan Flanagan, Christopher Carlisle Weber
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Publication number: 20200236547Abstract: Provided is a system, method, and computer program product for conducting secure transactions with at least two appliances. The method includes monitoring audio data with a first appliance including a processor, a speaker, and a microphone; detecting, with the first appliance, an audible request to initiate a transaction from a user from the audio data; communicating, with the first appliance, a transaction request to at least one remote server in response to detecting the audible request to initiate the transaction; detecting, with the first appliance, a credential message received by the first appliance directly from a second appliance via an audio transmission, the credential message corresponding to the transaction request and including a limited use key provided to the second appliance from the at least one remote server or another remote server; and in response to detecting the credential message, initiating, with the first appliance, the transaction based on the limited use key.Type: ApplicationFiled: January 14, 2020Publication date: July 23, 2020Inventor: Patrick Ryan Flanagan
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Patent number: 10692087Abstract: Electronic stored value cards (“eSVCs”) may be susceptible to fraud, theft, or unauthorized access. As eSVCs are still relatively new, the eSVC industry may not have fully developed sufficient safeguards to prevent such fraud, therft, and unauthorized access. Disclosed herein are systems, apparatus, and methods for evaluating whether or not to provide a service, which may include displaying, funding, or authorizing an eSVC. The evaluation may be in response to a request for such a service. The evaluation may be based on a risk due to fraud, theft, or unathorized access.Type: GrantFiled: April 3, 2014Date of Patent: June 23, 2020Assignee: BLACKHAWK NETWORK, INC.Inventors: Patrick Ryan Flanagan, Rajesh Ponnam
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Publication number: 20200168229Abstract: A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.Type: ApplicationFiled: November 28, 2018Publication date: May 28, 2020Inventors: Archana Reddy Manchireddy, Sumit Amar, Patrick Ryan Flanagan, Srinivas Bhagavathula, Miranda Morgan, Meryl Lazer
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Publication number: 20140304148Abstract: An apparatus that comprises: a receiver configured to receive a request for a service; a processor coupled to the receiver and configured to: obtain data associated with the request, process the data, determine parameters based on the data, and perform a risk evaluation based on the parameters; and a transmitter coupled to the processor and configured to transmit a response to the request, wherein the response is based on the risk evaluation. A method that comprises: receiving a request for an electronic financial service; obtaining data associated with the request; determining parameters based on the data; calculating a risk score based on the parameters; and sending a response to the request based on the risk score.Type: ApplicationFiled: April 3, 2014Publication date: October 9, 2014Inventors: Patrick Ryan Flanagan, Rajesh Ponnam
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Publication number: 20140143089Abstract: A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.Type: ApplicationFiled: November 20, 2013Publication date: May 22, 2014Inventors: Tomas Ariel CAMPOS, Patrick Ryan Flanagan