Patents by Inventor Todd N. Telle

Todd N. Telle 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).

  • Methods and systems for authenticating an identity of a payer in a financial transaction
    Patent number: 8527417
    Abstract: A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first communication medium. A one-time password is generated at an interchange computer system and transmitted to the cardholder via a second communication medium. The cardholder is prompted to enter access credential information, including the one-time password. When the entered access credential information is verified (e.g., the entered one time password is equal to the generated one-time password), a successful authentication is indicated to the merchant.
    Type: Grant
    Filed: July 12, 2010
    Date of Patent: September 3, 2013
    Assignee: MasterCard International Incorporated
    Inventors: Todd N. Telle, Sue Ellen Moskowitz
  • METHODS AND SYSTEMS FOR AUTHENTICATING AN IDENTITY OF A PAYER IN A FINANCIAL TRANSACTION
    Publication number: 20120011066
    Abstract: A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first communication medium. A one-time password is generated at an interchange computer system and transmitted to the cardholder via a second communication medium. The cardholder is prompted to enter access credential information, including the one-time password. When the entered access credential information is verified (e.g., the entered one time password is equal to the generated one-time password), a successful authentication is indicated to the merchant.
    Type: Application
    Filed: July 12, 2010
    Publication date: January 12, 2012
    Inventors: Todd N. Telle, Sue Ellen Moskowitz