Patents by Inventor Ian Sundberg

Ian Sundberg 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).

  • Patent number: 11676115
    Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.
    Type: Grant
    Filed: June 29, 2020
    Date of Patent: June 13, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham Salama, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
  • Publication number: 20200327513
    Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.
    Type: Application
    Filed: June 29, 2020
    Publication date: October 15, 2020
    Inventors: HISHAM SALAMA, Lauren VAN HEERDEN, Ian SUNDBERG, Anand KANNAN, Orin DEL VECCHIO
  • Patent number: 10726400
    Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.
    Type: Grant
    Filed: June 10, 2014
    Date of Patent: July 28, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham Salama, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
  • Publication number: 20140365377
    Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.
    Type: Application
    Filed: June 10, 2014
    Publication date: December 11, 2014
    Inventors: Hisham SALAMA, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio