Patents by Inventor Fergal Downey

Fergal Downey 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: 20170228724
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Application
    Filed: April 26, 2017
    Publication date: August 10, 2017
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Patent number: 9727858
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Grant
    Filed: December 17, 2015
    Date of Patent: August 8, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Publication number: 20160104153
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Application
    Filed: December 17, 2015
    Publication date: April 14, 2016
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Patent number: 9256871
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Grant
    Filed: July 26, 2012
    Date of Patent: February 9, 2016
    Assignee: Visa U.S.A. Inc.
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey
  • Publication number: 20140032419
    Abstract: Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
    Type: Application
    Filed: July 26, 2012
    Publication date: January 30, 2014
    Inventors: Lisa Anderson, Seamus Cushley, Fergal Downey