Patents by Inventor James Dimmick
James Dimmick 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: 20230206221Abstract: Embodiments of the invention are directed to a method for submitting a tokenization request via an access device. Embodiments allow tokens to be retrieved for complex mobile devices as well as basic card-type devices. Token requests can be formatted as authorization request messages and transmitted along authorization communication channels.Type: ApplicationFiled: March 3, 2023Publication date: June 29, 2023Applicant: Visa International Service AssociationInventor: James Dimmick
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Patent number: 11620643Abstract: Embodiments of the invention are directed to a method for submitting a tokenization request via an access device. Embodiments allow tokens to be retrieved for complex mobile devices as well as basic card-type devices. Token requests can be formatted as authorization request messages and transmitted along authorization communication channels.Type: GrantFiled: November 25, 2015Date of Patent: April 4, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: James Dimmick
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Patent number: 11470164Abstract: An embodiment of the invention is directed to a method comprising receiving, at a server computer, information for a portable device that includes a mobile device identifier and storing, by the server computer, the information for the portable device that includes the mobile device identifier in a database associated with the server computer.Type: GrantFiled: May 11, 2017Date of Patent: October 11, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: James Dimmick
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Patent number: 11138607Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: GrantFiled: September 18, 2017Date of Patent: October 5, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Publication number: 20210256522Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.Type: ApplicationFiled: March 26, 2021Publication date: August 19, 2021Inventor: James Dimmick
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Patent number: 10990977Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.Type: GrantFiled: April 24, 2019Date of Patent: April 27, 2021Assignee: Visa International Service AssociationInventor: James Dimmick
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Patent number: 10552834Abstract: Embodiments are directed to systems and methods for performing consumer authentication in a tokenized transaction. The token in the authentication request may be resolved to corresponding credentials before the consumer authentication process is initiated. As part of an authentication system, the merchant computer may include a merchant plug-in module as a proxy between the merchant computer and an issuer access control server. The merchant plug-in module may communicate with the issuer access control server by sending verification and authentication messages to the issuer access control server via a directory server. The token may be resolved to corresponding credentials before the authentication request reaches the issuer access computer for authentication. The merchant plug-in module, the directory server or a token router coupled to the issuer access control server may each be in communication with one or more token service providers to de-tokenize the token provided by the consumer's user device.Type: GrantFiled: April 30, 2015Date of Patent: February 4, 2020Assignee: Visa International Service AssociationInventors: James Dimmick, Shaw Li
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Publication number: 20190251569Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.Type: ApplicationFiled: April 24, 2019Publication date: August 15, 2019Inventor: James Dimmick
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Patent number: 10325261Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.Type: GrantFiled: November 25, 2015Date of Patent: June 18, 2019Assignee: Visa International Service AssociationInventor: James Dimmick
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Publication number: 20180268404Abstract: A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.Type: ApplicationFiled: May 16, 2018Publication date: September 20, 2018Inventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20180005233Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: ApplicationFiled: September 18, 2017Publication date: January 4, 2018Inventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Patent number: 9799031Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: GrantFiled: December 18, 2012Date of Patent: October 24, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Publication number: 20170243211Abstract: An embodiment of the invention is directed to a method comprising receiving, at a server computer, information for a portable device that includes a mobile device identifier and storing, by the server computer, the information for the portable device that it the mobile device identifier in a database as with the server computer. The method further comprising receiving, by the server computer, transaction data from an access device for a transaction conducted at the access device, determining, by the server computer, from the transaction data that the transaction is associated with the portable device, determining, by the server computer, a location of the access device, determining, by the server computer, a location of a mobile device associated with the mobile device identifier, determining, by the server computer, that the location of the mobile device matches the location of the access device, and marking, by the server computer, the stored information for the portable device as authentication verified.Type: ApplicationFiled: May 11, 2017Publication date: August 24, 2017Inventor: James Dimmick
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Patent number: 9680942Abstract: An embodiment of the invention is directed to a method comprising receiving, at a server computer, information for a portable device that includes a mobile device identifier and storing, by the server computer, the information for the portable device that includes the mobile device identifier in a database associated with the server computer.Type: GrantFiled: April 29, 2015Date of Patent: June 13, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: James Dimmick
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Patent number: 9582799Abstract: A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.Type: GrantFiled: April 10, 2013Date of Patent: February 28, 2017Assignee: Visa International Service AssociationInventors: Mike Lindelsee, Olivier Brand, James Dimmick, Benedicto Dominguez
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Publication number: 20160321652Abstract: Embodiments are directed to systems and methods for performing consumer authentication in a tokenized transaction. The token in the authentication request may be resolved to corresponding credentials before the consumer authentication process is initiated. As part of an authentication system, the merchant computer may include a merchant plug-in module as a proxy between the merchant computer and an issuer access control server. The merchant plug-in module may communicate with the issuer access control server by sending verification and authentication messages to the issuer access control server via a directory server. The token may be resolved to corresponding credentials before the authentication request reaches the issuer access computer for authentication. The merchant plug-in module, the directory server or a token router coupled to the issuer access control server may each be in communication with one or more token service providers to de-tokenize the token provided by the consumer's user device.Type: ApplicationFiled: April 30, 2015Publication date: November 3, 2016Inventors: James Dimmick, Shaw Li
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Publication number: 20160321637Abstract: A method and system of enrolling in a payment service is disclosed. Payment data may be received from a payment device at a point of sale device and may be used to fill out an enrollment for a payment service.Type: ApplicationFiled: April 29, 2016Publication date: November 3, 2016Inventors: Kevin Carvalho, James Dimmick
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Publication number: 20160148197Abstract: Embodiments of the invention are directed to a method for submitting a tokenization request via an access device. Embodiments allow tokens to be retrieved for complex mobile devices as well as basic card-type devices. Token requests can be formatted as authorization request messages and transmitted along authorization communication channels.Type: ApplicationFiled: November 25, 2015Publication date: May 26, 2016Inventor: James Dimmick
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Publication number: 20160148212Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.Type: ApplicationFiled: November 25, 2015Publication date: May 26, 2016Inventor: James Dimmick
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Publication number: 20150319161Abstract: An embodiment of the invention is directed to a method comprising receiving, at a server computer, information for a portable device that includes a mobile device identifier and storing, by the server computer, the information for the portable device that includes the mobile device identifier in a database associated with the server computer.Type: ApplicationFiled: April 29, 2015Publication date: November 5, 2015Inventor: James Dimmick