Patents by Inventor William Alexander Thaw
William Alexander Thaw 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: 10685343Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: November 13, 2017Date of Patent: June 16, 2020Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 10150328Abstract: Embodiments of the invention relate to payment cards and methods for making payment cards. In one embodiment, a card comprises a first layer and a second layer adjacent to the first layer. The second layer comprises a plurality of particles comprising metal, and the plurality of particles comprise at least about 15 volume % of the second layer. In another embodiment, a mixture is prepared comprising polymer and a plurality of particles comprising metal. The plurality of particles comprise at least about 15 volume % of the mixture. The mixture is pressed and an outer layer is applied. The mixture and outer layer are then cut to form the card.Type: GrantFiled: November 20, 2017Date of Patent: December 11, 2018Assignee: Visa International Service AssociationInventors: Sonia Reed, Kenneth M. Sippola, William Alexander Thaw, Mustafa Top, William B. Bedwell, Steven Crouch-Baker, Francis Louis Tanzella, Esperanza Alvarez, John Stephens Stotts
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Publication number: 20180072089Abstract: Embodiments of the invention relate to payment cards and methods for making payment cards. In one embodiment, a card comprises a first layer and a second layer adjacent to the first layer. The second layer comprises a plurality of particles comprising metal, and the plurality of particles comprise at least about 15 volume % of the second layer. In another embodiment, a mixture is prepared comprising polymer and a plurality of particles comprising metal. The plurality of particles comprise at least about 15 volume % of the mixture. The mixture is pressed and an outer layer is applied. The mixture and outer layer are then cut to form the card.Type: ApplicationFiled: November 20, 2017Publication date: March 15, 2018Inventors: Sonia Reed, Kenneth M. Sippola, William Alexander Thaw, Mustafa Top, William B. Bedwell, Steven Crouch-Baker, Francis Louis Tanzella, Esperanza Alvarez, John Stephens Stotts
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Publication number: 20180068296Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: November 13, 2017Publication date: March 8, 2018Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 9846873Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: January 30, 2015Date of Patent: December 19, 2017Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20150287004Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.Type: ApplicationFiled: June 18, 2015Publication date: October 8, 2015Inventors: Zack Fuerstenberg, Oleg Makhotin, William Alexander Thaw
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Patent number: 9098843Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.Type: GrantFiled: November 11, 2010Date of Patent: August 4, 2015Assignee: Visa International Service AssociationInventors: Zack Fuerstenberg, Oleg Makhotin, William Alexander Thaw
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Patent number: 9092769Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: October 24, 2012Date of Patent: July 28, 2015Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20150149270Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: January 30, 2015Publication date: May 28, 2015Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20140344156Abstract: Transferring funds from a payment originator (or payor) to a payment beneficiary (or payee) pushes the funds directly to a beneficiary's bank. The beneficiary's bank is not required to actively pull funds into the beneficiary's account. An originator can use a publicly known beneficiary indicator to direct payment to the beneficiary. The publicly known beneficiary indicator can be publicly used without exposing a beneficiary account to unauthorized debits or fraud since it can only be used to make credits to the beneficiary account, e.g. a deposit-only account. A pre-settlement conversation is used between the two banks to verify and evaluate information about an upcoming transfer of funds to determine whether to accept the funds transfer. The messages in the pre-settlement conversation contain information about the transaction.Type: ApplicationFiled: June 20, 2014Publication date: November 20, 2014Inventors: Nathan John Hilt, William Alexander Thaw, Laura Suzanne Cuda
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Patent number: 8412640Abstract: At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.Type: GrantFiled: September 16, 2010Date of Patent: April 2, 2013Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman Hammad, William Alexander Thaw, Christian Aabye
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Publication number: 20130046588Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: October 24, 2012Publication date: February 21, 2013Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Patent number: 8321345Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: GrantFiled: May 31, 2011Date of Patent: November 27, 2012Assignee: Visa International Service AssociationInventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makarenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20120022973Abstract: An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.Type: ApplicationFiled: May 31, 2011Publication date: January 26, 2012Inventors: Oleg Makhotin, Trudy Hill, Erick Wong, Oleg Makerenko, Hao Ngo, Christian Aabye, William Alexander Thaw
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Publication number: 20110166995Abstract: One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio.Type: ApplicationFiled: November 11, 2010Publication date: July 7, 2011Inventors: Zack Fuerstenberg, Oleg Makhotin, William Alexander Thaw
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Publication number: 20110016054Abstract: At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.Type: ApplicationFiled: September 16, 2010Publication date: January 20, 2011Inventors: Phil Dixon, Ayman Hammad, William Alexander Thaw, Christian Aabye
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Patent number: 7809652Abstract: At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.Type: GrantFiled: March 1, 2007Date of Patent: October 5, 2010Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman Hammad, William Alexander Thaw, Christian Aabye
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Publication number: 20080183622Abstract: At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.Type: ApplicationFiled: March 1, 2007Publication date: July 31, 2008Inventors: Phil Dixon, Ayman Hammad, William Alexander Thaw, Christian Aabye