Patents by Inventor Laszlo Spoor

Laszlo Spoor 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: 12556392
    Abstract: A disclosed method includes a tokenization computer receiving, from a processing network computer, a tokenization request message during an interaction between a first user device and a second user device. The tokenization request message comprises first user account data and second user account data. The tokenization computer can select a tokenization option of a plurality of tokenization options in a tokenization matrix based on the first user account data and the second user account data. The tokenization computer can then determine alternate first user account data and alternate second user account data based on the tokenization option. The tokenization computer can generate a tokenization response message comprising the alternate first user account data and the alternate second user account data. The tokenization computer can then provide the tokenization response message to the processing network computer.
    Type: Grant
    Filed: September 30, 2024
    Date of Patent: February 17, 2026
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
  • Publication number: 20250132917
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Application
    Filed: December 24, 2024
    Publication date: April 24, 2025
    Applicant: Visa International Service Association
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
  • Patent number: 12219061
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Grant
    Filed: December 21, 2020
    Date of Patent: February 4, 2025
    Assignee: Visa International Service Association
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
  • Publication number: 20250021972
    Abstract: A disclosed method includes a tokenization computer receiving, from a processing network computer, a tokenization request message during an interaction between a first user device and a second user device. The tokenization request message comprises first user account data and second user account data. The tokenization computer can select a tokenization option of a plurality of tokenization options in a tokenization matrix based on the first user account data and the second user account data. The tokenization computer can then determine alternate first user account data and alternate second user account data based on the tokenization option. The tokenization computer can generate a tokenization response message comprising the alternate first user account data and the alternate second user account data. The tokenization computer can then provide the tokenization response message to the processing network computer.
    Type: Application
    Filed: September 30, 2024
    Publication date: January 16, 2025
    Applicant: Visa International Service Association
    Inventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
  • Patent number: 12141800
    Abstract: A disclosed method includes a tokenization computer receiving, from a processing network computer, a tokenization request message during an interaction between a first user device and a second user device. The tokenization request message comprises first user account data and second user account data. The tokenization computer can select a tokenization option of a plurality of tokenization options in a tokenization matrix based on the first user account data and the second user account data. The tokenization computer can then determine alternate first user account data and alternate second user account data based on the tokenization option. The tokenization computer can generate a tokenization response message comprising the alternate first user account data and the alternate second user account data. The tokenization computer can then provide the tokenization response message to the processing network computer.
    Type: Grant
    Filed: February 12, 2021
    Date of Patent: November 12, 2024
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
  • Publication number: 20230035507
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Application
    Filed: December 21, 2020
    Publication date: February 2, 2023
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
  • Publication number: 20220261793
    Abstract: A disclosed method includes a tokenization computer receiving, from a processing network computer, a tokenization request message during an interaction between a first user device and a second user device. The tokenization request message comprises first user account data and second user account data. The tokenization computer can select a tokenization option of a plurality of tokenization options in a tokenization matrix based on the first user account data and the second user account data. The tokenization computer can then determine alternate first user account data and alternate second user account data based on the tokenization option. The tokenization computer can generate a tokenization response message comprising the alternate first user account data and the alternate second user account data. The tokenization computer can then provide the tokenization response message to the processing network computer.
    Type: Application
    Filed: February 12, 2021
    Publication date: August 18, 2022
    Inventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian