Patents by Inventor Carole Lynne Kelly-Frank

Carole Lynne Kelly-Frank 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).

  • Publication number: 20220122061
    Abstract: Systems and methods are provided for managing tokens from token providers and facilitating network transactions involving the tokens. One example computer-implemented method includes receiving, by a payment network, an external token for a payment account from an external token provider and storing the external token in a vault data structure. The external token provider is separate from the payment network. The method then includes intercepting, by the payment network, an authorization request message for a transaction involving the payment account. And, when the authorization request message includes the external token, the method includes identifying a primary account number (PAN) for the payment account based on a mapping of the external token with the PAN in the vault data structure and initiating at least one PAN-dependent service associated with the payment account, despite the external token being generated by the token provider that is separate from the payment network.
    Type: Application
    Filed: December 28, 2021
    Publication date: April 21, 2022
    Inventors: Aimee G. Musil, Carole Lynne Kelly-Frank, Scott J. Page, John Vignola
  • Patent number: 11232435
    Abstract: Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment network. The method also includes generating the requested token apart from the payment network, whereby the requested token is an external token, and transmitting the external token to the party. The method further includes transmitting, to the payment network, the external token and a PAN for the payment account associated with the external token, thereby permitting the payment network to map the token to the PAN and to provide PAN-dependent services for a transaction based on an authorization request message including the token but not the PAN.
    Type: Grant
    Filed: June 1, 2017
    Date of Patent: January 25, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Aimee G. Musil, Carole Lynne Kelly-Frank, Scott J. Page, John Vignola
  • Publication number: 20190197548
    Abstract: Systems and methods are provided for processing network transactions based on use of tokens in the transactions. An exemplary system includes a network having a memory and a processor coupled to the memory, where the memory includes a token vault data structure having a listing of tokens stored therein in association with corresponding account numbers. In connection therewith, the processor is configured to receive a network request message from a routing network different than the network, where the network request message includes a token associated with an account involved in a transaction but not an actual account number used in the transaction. In response to the network request message, the processor is configured to convert the token to an account number associated with the account, based on the listing of tokens in the token vault data structure, and transmit the account number to the routing network.
    Type: Application
    Filed: December 21, 2017
    Publication date: June 27, 2019
    Inventors: Carole Lynne Kelly-Frank, Aimee G. Musil
  • Publication number: 20170352026
    Abstract: Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment network. The method also includes generating the requested token apart from the payment network, whereby the requested token is an external token, and transmitting the external token to the party. The method further includes transmitting, to the payment network, the external token and a PAN for the payment account associated with the external token, thereby permitting the payment network to map the token to the PAN and to provide PAN-dependent services for a transaction based on an authorization request message including the token but not the PAN.
    Type: Application
    Filed: June 1, 2017
    Publication date: December 7, 2017
    Inventors: Aimee G. Musil, Carole Lynne Kelly-Frank, Scott J. Page, John Vignola