Patents by Inventor Brian Kinch

Brian Kinch 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).

  • Protecting online payments through one-time payment cards
    Patent number: 10891618
    Abstract: A system and method for a secure remote payments process and for generation of one-time only remote payment cards is presented. Use of the one-time payment (OTP) cards can use multi-factor authentication where one factor is a biometric technique. A process can include generating an OTP card number based on a first encryption algorithm, an expiry date, and a security code based on a second encryption algorithm. A purchase amount, and the OTP card information are decrypted by an issuer to approve payment for a remote payment, after which the OTP card is no longer valid.
    Type: Grant
    Filed: November 29, 2017
    Date of Patent: January 12, 2021
    Assignee: FAIR ISAAC CORPORATION
    Inventors: Brian Kinch, Derek Dempsey
  • PROTECTING ONLINE PAYMENTS THROUGH ONE-TIME PAYMENT CARDS
    Publication number: 20190164166
    Abstract: A system and method for a secure remote payments process and for generation of one-time only remote payment cards is presented. Use of the one-time payment (OTP) cards can use multi-factor authentication where one factor is a biometric technique. A process can include generating an OTP card number based on a first encryption algorithm, an expiry date, and a security code based on a second encryption algorithm. A purchase amount, and the OTP card information are decrypted by an issuer to approve payment for a remote payment, after which the OTP card is no longer valid.
    Type: Application
    Filed: November 29, 2017
    Publication date: May 30, 2019
    Inventors: Brian Kinch, Derek Dempsey