Patents by Inventor Liane Redford
Liane Redford 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: 10460338Abstract: A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.Type: GrantFiled: December 2, 2013Date of Patent: October 29, 2019Assignee: VISA U.S.A. INC.Inventors: Liane Redford, Bryan Shimko, Loc Nguyen, Ayman Hammad
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Publication number: 20180075452Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: November 20, 2017Publication date: March 15, 2018Inventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philippe Levy, Trudy Hill
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Patent number: 9864993Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: April 6, 2009Date of Patent: January 9, 2018Assignee: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philippe Levy, Trudy Hill
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Publication number: 20140095288Abstract: A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.Type: ApplicationFiled: December 2, 2013Publication date: April 3, 2014Inventors: Liane Redford, Bryan Shimko, Loc Nguyen, Ayman Hammad
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Patent number: 8682716Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.Type: GrantFiled: July 3, 2012Date of Patent: March 25, 2014Assignee: Visa U.S.A. Inc.Inventors: Liane Redford, Bryan Shimko, James Mazour, Rajkumar Viswanathan
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Patent number: 8626577Abstract: A network centric system that enables participation by any number of entities including sponsors, issuers, merchants, portable devices, and acceptance point devices in one or more loyalty programs is provided. Any combination of entities may be specified for different loyalty programs.Type: GrantFiled: March 27, 2003Date of Patent: January 7, 2014Assignee: Visa U.S.AInventors: Liane Redford, Bryan Shimko, Loc Nguyen, Ayman Hammad
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Publication number: 20130006744Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.Type: ApplicationFiled: July 3, 2012Publication date: January 3, 2013Inventors: Liane Redford, Bryan Shimko, James Mazour, Rajkumar Viswanathan
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Patent number: 8239261Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.Type: GrantFiled: June 11, 2008Date of Patent: August 7, 2012Inventors: Liane Redford, Bryan Shimko, James Mazour, Rajkumar Viswanathan
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Patent number: 8141777Abstract: A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a customer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.Type: GrantFiled: February 1, 2011Date of Patent: March 27, 2012Assignee: Visa U.S.A. Inc.Inventors: Corinne Bortolin, Loc Duc Nguyen, Liane Redford
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Patent number: 8015060Abstract: A system for managing coupon redemption and prioritization is provided. According to one aspect of the system, the system allows an electronic coupon or reward to be redeemed a specific number of times. The specific number of times may range from one to infinity. According to another aspect of the system, the system automatically resolves any redemption conflict associated with the concurrent redemption of electronic coupon(s) and paper-based coupon(s) by using certain predefined rules and logic.Type: GrantFiled: September 10, 2003Date of Patent: September 6, 2011Assignee: Visa USA, Inc.Inventors: Liane Redford, Bryan Shimko, James Mazour, Rajkumar Viswanathan
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Publication number: 20110191155Abstract: A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a customer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.Type: ApplicationFiled: February 1, 2011Publication date: August 4, 2011Applicant: Visa U.S.A. Inc.Inventors: Corinne Bortolin, Loc Nguyen, Liane Redford
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Patent number: 7900831Abstract: A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a consumer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.Type: GrantFiled: December 17, 2009Date of Patent: March 8, 2011Assignee: VISA U.S.A. Inc.Inventors: Corinne Bortolin, Loc Nguyen, Liane Redford
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Patent number: 7857216Abstract: A system for facilitating image management for portable devices, which includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host in order to record an image of the first portable device, determine whether the second portable device is valid for image synchronization in order to download an image of the first portable device to the second portable device. The interface device further includes control logic configured to: determine whether the second portable device is valid for image replacement using information provided by the host so as to retrieve an image of the first portable device and download the retrieved image to the second portable device.Type: GrantFiled: October 23, 2007Date of Patent: December 28, 2010Assignee: Visa U.S.A. Inc.Inventors: Loc Nguyen, Bryan Shimko, Liane Redford, James G. Gordon, Kim Madore, Marc Black, James Mazour, Michael Salters, Glenda Berg
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Patent number: 7857215Abstract: A system having a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface is configured to determine whether the first portable device is valid for image synchronization for recording an image of the first portable device, determine whether the second portable device is valid for image synchronization so as to download an image of the first portable device to the second portable device. The interface is further configured to determine whether the second portable device is valid for image replacement using information provided by the host for retrieving an image of the first portable device and download the retrieved image to the second portable device.Type: GrantFiled: October 23, 2007Date of Patent: December 28, 2010Assignee: Visa U.S.A. Inc.Inventors: Loc Nguyen, Bryan Shimko, Liane Redford, James G. Gordon, Kim Madore, Marc Black, James Mazour, Michael Salters, Glenda Berg
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Publication number: 20100174597Abstract: A method of processing data on a server computer is disclosed. The method includes receiving data at the server computer, the data including a first data string including one or more wildcard values. The first data string is specifically associated with a consumer, and the one or more wildcard values are associated with the purchase transaction. The method also includes comparing the first data string to a second data string by the server computer, and providing an output to the consumer based on the comparison.Type: ApplicationFiled: December 17, 2009Publication date: July 8, 2010Applicant: Visa U.S.A., Inc.Inventors: Corinne Bortolin, Loc Nguyen, Liane Redford
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Publication number: 20100057619Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: April 6, 2009Publication date: March 4, 2010Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philipe Levy, Trudy Hill
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Patent number: 7654451Abstract: A portable consumer device is disclosed. The portable consumer device includes a body and a computer readable medium coupled to the body. The computer readable medium comprises a data string including one or more wildcard values. The data string is specifically associated with the consumer. For example, the data string may represent one or more products that the consumer prefers to use.Type: GrantFiled: October 24, 2007Date of Patent: February 2, 2010Assignee: Visa U.S.A. Inc.Inventors: Corinne Bortolin, Loc Nguyen, Liane Redford
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Patent number: 7611054Abstract: A mobile phone with a data string including a wildcard value. The mobile phone includes a computer readable medium comprising code for storing a data string including a wildcard value, and a body. The mobile phone may be used in purchase transactions.Type: GrantFiled: October 24, 2007Date of Patent: November 3, 2009Assignee: Visa U.S.A. Inc.Inventors: Corinne Bortolin, Loc Nguyen, Liane Redford
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Publication number: 20090159675Abstract: A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host; and if it is determined that the first portable device is valid for image synchronization, record an image of the first portable device, determine whether the second portable device is valid for image synchronization, and download an image of the first portable device to the second portable device if it is determined that the second portable device is valid for image synchronization.Type: ApplicationFiled: October 23, 2007Publication date: June 25, 2009Inventors: Loc Nguyen, Bryan Shimko, Liane Redford, James G. Gordon, Kim Madore, Marc Black, James Mazour, Michael Salters, Glenda Berg
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Patent number: 7464870Abstract: A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host; and if it is determined that the first portable device is valid for image synchronization, record an image of the first portable device, determine whether the second portable device is valid for image synchronization, and download an image of the first portable device to the second portable device if it is determined that the second portable device is valid for image synchronization.Type: GrantFiled: May 24, 2006Date of Patent: December 16, 2008Assignee: Visa U.S.A. Inc.Inventors: Loc Nguyen, Bryan Shimko, Liane Redford, James G. Gordon, Kim Madore, Marc Black, James Mazour, Michael Salters, Glenda Berg