Patents by Inventor Douglas Fisher
Douglas Fisher 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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Publication number: 20240112520Abstract: A gaming system combines roulette and mahjong gaming into a single new game for ball-effecting a mahjong event. The game may comprise a grouped series of roulette wheel assemblies bearing mahjong symbols and a plurality of balls respectively receivable in ball-receiving sectors for identifying a number of mahjong symbols. The group of mahjong symbols identified by the randomly received balls defines a wagerable mahjong event. Players may participate in the gaming in a player participation area, which area is opposed a theatrical or auditorium type visual display of the grouped roulette wheel assembly action. Players may input their wagers in the player participation area and watch the roulette action unfold on the visual displays. Certain methodology for effecting the mahjong event is further supported by the roulette medium.Type: ApplicationFiled: December 12, 2023Publication date: April 4, 2024Inventors: Donald Fisher, Melissa S. Langtim, Douglas Krich, Darlene Marie Garmann, Stephen Foote
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Publication number: 20220414672Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: September 1, 2022Publication date: December 29, 2022Applicant: Visa International Service AssociationInventors: Karl Newland, Douglas Fisher, Craig O'Connell
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Publication number: 20220230166Abstract: Provided are a system, method, and computer program product for authenticating a transaction based on behavioral biometric data. The method includes receiving an authorization request message associated with a transaction between a merchant system and a payment device. The method also includes determining that an additional security authentication should be applied to the authorization request message based on transaction data. The method further includes communicating an authenticity assessment request to a behavioral biometrics server computer and receiving, from the behavioral biometrics server computer, an authenticity assessment response generated based on at least a portion of the transaction data. The method further includes generating, based on the authenticity assessment response, an authentication response message configured to authenticate or decline the transaction.Type: ApplicationFiled: August 7, 2020Publication date: July 21, 2022Inventors: Chandra S. Balasubramanian, Douglas Fisher, Nicholas Edward Vondrak
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Publication number: 20220164799Abstract: A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message.Type: ApplicationFiled: February 10, 2022Publication date: May 26, 2022Inventors: Mark Allen Nelsen, Craig O'Connell, Karl Newland, Douglas Fisher
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Patent number: 11282082Abstract: A server computing device receives authentication request messages formatted according to a first message format from a party via a computing device of a user involved in a transaction, translates the messages into modified authentication request messages formatted according to a second message format, and transmits the modified authentication request messages to an authorization computer. The server computing device may augment the modified authentication request messages by including data gathered from the received authentication request messages describing the user, user's computing device, and/or network path between the server computing device and user's computing device, as well as risk scores generated based upon the received authentication request message.Type: GrantFiled: July 30, 2015Date of Patent: March 22, 2022Assignee: Visa International Service AssociationInventors: Mark Allen Nelsen, Craig O'Connell, Karl Newland, Douglas Fisher
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Publication number: 20210319450Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: June 22, 2021Publication date: October 14, 2021Inventors: Karl Newland, Douglas Fisher, Craig O'Connell
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Patent number: 11074585Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: GrantFiled: May 5, 2016Date of Patent: July 27, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Karl Newland, Douglas Fisher, Craig O'Connell
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Patent number: 10963932Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: GrantFiled: April 18, 2018Date of Patent: March 30, 2021Assignee: Visa International Service AssociationInventors: Ben Dominguez, Douglas Fisher, Julie Chan
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Patent number: 10909539Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: GrantFiled: October 29, 2014Date of Patent: February 2, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee
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Patent number: 10896452Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: GrantFiled: February 28, 2017Date of Patent: January 19, 2021Assignee: Visa International Service AssociationInventors: Benedicto Dominguez, Douglas Fisher, Julie Chan
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Patent number: 10607225Abstract: Embodiments of the invention are directed to systems and methods for authentication using audio filtering. In some embodiments, an original audio segment such as a voice segment may be received. The received original audio segment may be modified using a first predetermined algorithm. The modified audio segment may be sent to an authentication server. At the authentication server, the modified audio segment may be reconstructed into the original audio segment using a second predetermined algorithm. The client device may be authenticated for a transaction based at least in part on the reconstructed original audio segment.Type: GrantFiled: April 23, 2018Date of Patent: March 31, 2020Assignee: Visa International Service AssociationInventors: Shaw Li, Dhiraj Sharda, Douglas Fisher
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Patent number: 10567366Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: GrantFiled: December 10, 2018Date of Patent: February 18, 2020Assignee: Visa International Service AssociationInventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
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Publication number: 20190109837Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: ApplicationFiled: December 10, 2018Publication date: April 11, 2019Inventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
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Patent number: 10187366Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: GrantFiled: April 28, 2016Date of Patent: January 22, 2019Assignee: Visa International Service AssociationInventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher
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Publication number: 20180247314Abstract: Embodiments of the invention are directed to systems and methods for authentication using audio filtering. In some embodiments, an original audio segment such as a voice segment may be received. The received original audio segment may be modified using a first predetermined algorithm. The modified audio segment may be sent to an authentication server. At the authentication server, the modified audio segment may be reconstructed into the original audio segment using a second predetermined algorithm. The client device may be authenticated for a transaction based at least in part on the reconstructed original audio segment.Type: ApplicationFiled: April 23, 2018Publication date: August 30, 2018Inventors: Shaw Li, Dhiraj Sharda, Douglas Fisher
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Publication number: 20180240170Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: ApplicationFiled: April 18, 2018Publication date: August 23, 2018Inventors: Ben Dominguez, Douglas Fisher, Julie Chan
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Patent number: 9996864Abstract: Embodiments of the invention are directed to methods, systems, devices and computer-readable media. In embodiments of the invention, a user is authenticated using an authentication process that is capable of authenticating a user using an inline authentication form that can authenticate a consumer without transferring a session maintained by a merchant. The inline authentication form is used if the components of the authentication system are capable of supporting an inline authentication form. If the components of the system cannot support an inline authentication form, a different authentication process is used. In one embodiment, an inline authentication form is presented to the user asynchronously. This inline authentication form may be presented within an iFrame embedded in a merchant's checkout page after verifying that the components to be used during the authentication can support the inline authentication form.Type: GrantFiled: October 31, 2013Date of Patent: June 12, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ben Dominguez, Douglas Fisher, Julie Chan
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Patent number: 9978065Abstract: Embodiments of the invention are directed to systems and methods for voice filtering. In some embodiments, an original voice segment from a user may be received. The received original voice segment may be modified using a first predetermined algorithm. The modified voice segment may be sent to an authentication server. At the authentication server, the modified voice segment may be reconstructed into the original voice segment using a second predetermined algorithm. The user may be authenticated for a transaction based at least in part on the reconstructed original voice segment.Type: GrantFiled: June 25, 2014Date of Patent: May 22, 2018Assignee: Visa International Service AssociationInventors: Shaw Li, Dhiraj Sharda, Douglas Fisher
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Publication number: 20180114224Abstract: One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.Type: ApplicationFiled: May 5, 2016Publication date: April 26, 2018Inventors: Karl Newland, Douglas Fisher, Craig O'Connell
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Publication number: 20170318000Abstract: Embodiments of the invention are directed to systems and methods of user authentication for data services. The data services may include accessing a tax return at the IRS, accessing or completing a student loan application, accessing a credit report, etc. User authentication data is collected by a data provider and provided to a server computer, and user device data is collected by the server computer after the user device accesses a resource identifier (e.g., URL) associated with the server computer. The user authentication data and/or user device data is analyzed and a risk score is generated.Type: ApplicationFiled: April 28, 2016Publication date: November 2, 2017Inventors: Brendan Xavier Louis, Craig O'Connell, Karl Newland, Douglas Fisher