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).
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Patent number: 12556392Abstract: 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: GrantFiled: September 30, 2024Date of Patent: February 17, 2026Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
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Publication number: 20250132917Abstract: 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: ApplicationFiled: December 24, 2024Publication date: April 24, 2025Applicant: Visa International Service AssociationInventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
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Patent number: 12219061Abstract: 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: GrantFiled: December 21, 2020Date of Patent: February 4, 2025Assignee: Visa International Service AssociationInventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
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Publication number: 20250021972Abstract: 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: ApplicationFiled: September 30, 2024Publication date: January 16, 2025Applicant: Visa International Service AssociationInventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
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Patent number: 12141800Abstract: 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: GrantFiled: February 12, 2021Date of Patent: November 12, 2024Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian
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Publication number: 20230035507Abstract: 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: ApplicationFiled: December 21, 2020Publication date: February 2, 2023Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
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Publication number: 20220261793Abstract: 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: ApplicationFiled: February 12, 2021Publication date: August 18, 2022Inventors: Laszlo Spoor, Michael Kemanetzis, Savio Voskian