Patents by Inventor Glenn Leon Powell
Glenn Leon Powell 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: 20240037522Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: October 5, 2023Publication date: February 1, 2024Applicant: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
-
Patent number: 11810085Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: GrantFiled: June 9, 2021Date of Patent: November 7, 2023Assignee: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
-
Publication number: 20230306416Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: ApplicationFiled: May 19, 2023Publication date: September 28, 2023Applicants: Visa International Service Association, Mastercard International IncorporatedInventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson
-
Patent number: 11710119Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: GrantFiled: December 4, 2020Date of Patent: July 25, 2023Assignees: VISA INTERNATIONAL SERVICE ASSOCIATION, MASTERCARD INTERNATIONAL INCORPORATEDInventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson
-
Patent number: 11574311Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: GrantFiled: July 7, 2021Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Andrew Carpenter, Glenn Leon Powell
-
Publication number: 20210357885Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: June 9, 2021Publication date: November 18, 2021Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
-
Publication number: 20210350379Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: ApplicationFiled: July 7, 2021Publication date: November 11, 2021Inventors: Andrew Carpenter, Glenn Leon Powell
-
Patent number: 11087328Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: GrantFiled: October 24, 2018Date of Patent: August 10, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Andrew Carpenter, Glenn Leon Powell
-
Patent number: 11062281Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: GrantFiled: October 6, 2015Date of Patent: July 13, 2021Assignee: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
-
Publication number: 20210090074Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: ApplicationFiled: December 4, 2020Publication date: March 25, 2021Inventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson
-
Patent number: 10891610Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: GrantFiled: October 14, 2014Date of Patent: January 12, 2021Assignees: Visa International Service Association, MASTERCARD INTERNATIONAL INCORPORATEDInventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson
-
Publication number: 20200336315Abstract: A method for validating an interaction is disclosed. A first interaction cryptogram can be generated by a first device using information about a first party to the interaction and a second party to the interaction. A second interaction cryptogram can be generated by a second device also using information about the first party to the interaction and the second party to the interaction. Verifying each cryptogram can validate that the interaction details have not been changed, and that both the first party and second party legitimately authorized the interaction.Type: ApplicationFiled: July 2, 2020Publication date: October 22, 2020Inventors: Phillip Lavender, Vikram Modi, Glenn Leon Powell
-
Patent number: 10742419Abstract: A method for validating an interaction is disclosed. A first interaction cryptogram can be generated by a first device using information about a first party to the interaction and a second party to the interaction. A second interaction cryptogram can be generated by a second device also using information about the first party to the interaction and the second party to the interaction. Verifying each cryptogram can validate that the interaction details have not been changed, and that both the first party and second party legitimately authorized the interaction.Type: GrantFiled: March 10, 2017Date of Patent: August 11, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Phillip Lavender, Vikram Modi, Glenn Leon Powell
-
Publication number: 20190057389Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: ApplicationFiled: October 24, 2018Publication date: February 21, 2019Inventors: Andrew Carpenter, Glenn Leon Powell
-
Publication number: 20170272253Abstract: A method for validating an interaction is disclosed. A first interaction cryptogram can be generated by a first device using information about a first party to the interaction and a second party to the interaction. A second interaction cryptogram can be generated by a second device also using information about the first party to the interaction and the second party to the interaction. Verifying each cryptogram can validate that the interaction details have not been changed, and that both the first party and second party legitimately authorized the interaction.Type: ApplicationFiled: March 10, 2017Publication date: September 21, 2017Inventors: Phillip Lavender, Vikram Modi, Glenn Leon Powell
-
Publication number: 20170270494Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: October 6, 2015Publication date: September 21, 2017Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
-
Patent number: 9516487Abstract: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.Type: GrantFiled: November 18, 2014Date of Patent: December 6, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Glenn Leon Powell, John F. Sheets, Igor Karpenko
-
Publication number: 20160086184Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.Type: ApplicationFiled: September 22, 2015Publication date: March 24, 2016Inventors: Andrew Carpenter, Glenn Leon Powell
-
Publication number: 20150140960Abstract: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.Type: ApplicationFiled: November 18, 2014Publication date: May 21, 2015Inventors: Glenn Leon Powell, John F. Sheets, Igor Karpenko
-
Publication number: 20150127547Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.Type: ApplicationFiled: October 14, 2014Publication date: May 7, 2015Inventors: Glenn Leon Powell, John F. Sheets, Bruce Rutherford, Gregory Williamson, James Anderson