Patents by Inventor Bobby Wieler
Bobby Wieler 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: 11374943Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.Type: GrantFiled: November 14, 2019Date of Patent: June 28, 2022Assignee: GOOGLE LLCInventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Patent number: 10592884Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: GrantFiled: December 7, 2017Date of Patent: March 17, 2020Assignee: Google LLCInventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
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Publication number: 20200084224Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.Type: ApplicationFiled: November 14, 2019Publication date: March 12, 2020Inventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Patent number: 10491605Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.Type: GrantFiled: October 25, 2016Date of Patent: November 26, 2019Assignee: GOOGLE LLCInventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Patent number: 10147112Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: GrantFiled: December 26, 2013Date of Patent: December 4, 2018Assignee: GOOGLE LLCInventors: Harry Lee Butler, IV, Osama Bedier, Peter Hazlehurst, Michael Scott Blandina, Bobby Wieler
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Publication number: 20180150821Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 7, 2017Publication date: May 31, 2018Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
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Patent number: 9870556Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: GrantFiled: December 26, 2013Date of Patent: January 16, 2018Assignee: GOOGLE LLCInventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
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Patent number: 9858572Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field.Type: GrantFiled: February 6, 2014Date of Patent: January 2, 2018Assignee: GOOGLE LLCInventors: Justin Lee Brickell, Swaminathan Mahadevan, Harry Lee Butler, IV, Bobby Wieler, Ignacio Carlos Blanco
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Publication number: 20170104765Abstract: A bundle of public counters and a corresponding bundle of private counters are created and transmitted to a user device. The user device receives a request and processes the request without accessing a secure element processor on the user device. The user device calculates a security code using the private counter and a number. The user device transmits the calculated security code and one of the bundle of public counters in response to the request. A receiver of the response to the request determines the validity of the public counter and looks up the corresponding private counter using the public counter. The receiver determines the validity of the security code by recomputing it using the private counter and the number.Type: ApplicationFiled: October 25, 2016Publication date: April 13, 2017Inventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Publication number: 20150220925Abstract: Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field.Type: ApplicationFiled: February 6, 2014Publication date: August 6, 2015Applicant: Google Inc.Inventors: Justin Lee Brickell, Swaminathan Mahadevan, Harry Lee Butler, IV, Bobby Wieler, Ignacio Carlos Blanco
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Publication number: 20150120556Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.Type: ApplicationFiled: August 26, 2014Publication date: April 30, 2015Inventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Patent number: 8930274Abstract: An account management system creates a bundle of private application transaction counters (ATCs) and a bundle of corresponding public ATCs, and transmits them to a user device. The device receives a request for payment information from a merchant and processes the request without accessing a secure element processor on the device. The device calculates a security code using one of the bundle of private ATCs and a transaction number received from the merchant. The device transmits proxy account information, the calculated security code, and the corresponding public ATCs to the merchant. The merchant transmits a payment request to the account management system as the issuer of the proxy account information. The account management system retrieves the private ATC using the public ATC, and determines the validity of the security code by recomputing it. The account management system retrieves the financial account information and requests authorization from the issuer.Type: GrantFiled: December 18, 2013Date of Patent: January 6, 2015Assignee: Google Inc.Inventors: Justin Lee Brickell, Jonathan Kingsley Blatter, Bobby Wieler, Harry Lee Butler, IV, Ignacio Carlos Blanco, Denis Lila
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Publication number: 20140351131Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: GOOGLE INC.Inventors: Harry Lee Butler, IV, Osama Bedier, Peter Hazlehurst, Michael Scott Blandina, Bobby Wieler
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Publication number: 20140351072Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: Google Inc.Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
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Publication number: 20140351035Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: GOOGLE INC.Inventors: Amir Fish, Prithviraj Subburaj, Michael Scott Blandina, Bobby Wieler, Shantan Rao
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Publication number: 20140351132Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.Type: ApplicationFiled: December 26, 2013Publication date: November 27, 2014Applicant: GOOGLE INC.Inventors: Bobby Wieler, Harry Lee Butler, IV, Amir Fish, Shantan Rao