Patents by Inventor David Desany

David Desany 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).

  • Contactless-chip-initiated transaction system
    Patent number: 7747539
    Abstract: Methods and apparatus process a financial transaction initiated by a consumer with a contactless transaction device. An electromagnetic transmission identifying a financial account and an adjunct identifier is received from the device. Transaction data are electromagnetically transmitted to the device. Another electromagnetic transmission providing authentication data and a digital signature originated from the transaction data is received from the device. The device is authenticated with an analysis of the authentication data and digital signature. An authorization request for approval of the financial transaction is transmitted over a payment network to an issuer system, and a response is received. The adjunct identifier is transmitted to an adjunct system distinct from the issuer system for implementation of functions adjunct to the financial transaction. The financial transaction is acted on in accordance with the response to the authorization request.
    Type: Grant
    Filed: January 24, 2006
    Date of Patent: June 29, 2010
    Assignee: First Data Corporation
    Inventors: David Desany, Thomas Gandre
  • Contactless-chip-initiated transaction system
    Publication number: 20070170243
    Abstract: Methods and apparatus process a financial transaction initiated by a consumer with a contactless transaction device. An electromagnetic transmission identifying a financial account and an adjunct identifier is received from the device. Transaction data are electromagnetically transmitted to the device. Another electromagnetic transmission providing authentication data and a digital signature originated from the transaction data is received from the device. The device is authenticated with an analysis of the authentication data and digital signature. An authorization request for approval of the financial transaction is transmitted over a payment network to an issuer system, and a response is received. The adjunct identifier is transmitted to an adjunct system distinct from the issuer system for implementation of functions adjunct to the financial transaction. The financial transaction is acted on in accordance with the response to the authorization request.
    Type: Application
    Filed: January 24, 2006
    Publication date: July 26, 2007
    Applicant: First Data Corporation
    Inventors: David Desany, Thomas Gandre