Patents by Inventor Jonathan Lupton
Jonathan Lupton 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: 20220300961Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.Type: ApplicationFiled: June 2, 2022Publication date: September 22, 2022Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 11392921Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: GrantFiled: July 6, 2020Date of Patent: July 19, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
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Patent number: 11361314Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction; reading the emulated track data from the wireless signal; generating a transaction payload, wherein the transaction payload contains transaction account data and a dynamically generated digital signature value from the emulated track data of the wireless signal; transmitting the transaction payload to an authorization network server; receiving an authorization instruction from the authorization network server for handling payment of the transaction; and processing the payment of the transaction in accordance with the authorization instruction.Type: GrantFiled: January 15, 2021Date of Patent: June 14, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 10929844Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: August 15, 2019Date of Patent: February 23, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY. INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20200334659Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: ApplicationFiled: July 6, 2020Publication date: October 22, 2020Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
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Patent number: 10706404Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: GrantFiled: April 12, 2019Date of Patent: July 7, 2020Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
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Publication number: 20190370801Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: August 15, 2019Publication date: December 5, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 10423953Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: April 11, 2018Date of Patent: September 24, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20190236582Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: ApplicationFiled: April 12, 2019Publication date: August 1, 2019Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
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Patent number: 10332115Abstract: A system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. The system may transmit a request to authenticate a user associated with the transaction account. The request to authenticate uses the transaction authorization protocol. The system may also receive an authentication message using the transaction authorization protocol. The authentication message may comprise authentication metadata that indicates an authentication type and/or an authentication outcome. The authentication type may include biometric authentication techniques.Type: GrantFiled: March 10, 2016Date of Patent: June 25, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Michael Donovan, Jonathan Lupton, Upendra Mardikar
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Patent number: 10304044Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: GrantFiled: June 6, 2017Date of Patent: May 28, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
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Publication number: 20180232733Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: April 11, 2018Publication date: August 16, 2018Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 9972007Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: February 16, 2017Date of Patent: May 15, 2018Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20170270509Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: ApplicationFiled: June 6, 2017Publication date: September 21, 2017Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
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Publication number: 20170262854Abstract: A system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. The system may transmit a request to authenticate a user associated with the transaction account. The request to authenticate uses the transaction authorization protocol. The system may also receive an authentication message using the transaction authorization protocol. The authentication message may comprise authentication metadata that indicates an authentication type and/or an authentication outcome. The authentication type may include biometric authentication techniques.Type: ApplicationFiled: March 10, 2016Publication date: September 14, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Michael Donovan, Jonathan Lupton, Upendra Mardikar
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Patent number: 9681305Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and SIM card chip knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: GrantFiled: June 5, 2013Date of Patent: June 13, 2017Assignee: American Express Travel Related Services Company, Inc.Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James Marsden
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Publication number: 20170161738Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: February 16, 2017Publication date: June 8, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Patent number: 9613306Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: GrantFiled: December 3, 2015Date of Patent: April 4, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20170061272Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.Type: ApplicationFiled: December 3, 2015Publication date: March 2, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
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Publication number: 20160080944Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and SIM card chip knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.Type: ApplicationFiled: June 5, 2013Publication date: March 17, 2016Applicant: American Express Travel Related Services Company, Inc.Inventors: Joanna COLEGATE, Charlie CRAVEN, Christopher Adrian KONG, Jonathan LUPTON, James MARSDEN