Patents by Inventor Lon Varns

Lon Varns 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).

  • MULTI-USE DIGITAL FINANCIAL CARD FOR NETWORKED TRANSACTIONS
    Publication number: 20240265378
    Abstract: A method of protecting transactions in a card processing system from fraud comprises issuing a payment card having a first PAN number, a second PAN number and at least one of a magnetic strip or a smart chip. The first PAN number is encoded in machine readable language on each of the at least one of the magnetic strip or the smart chip and not displayed in human readable form on the payment card. The second PAN number is displayed in human readable form on the payment card and is not encoded in machine readable language on either of the at least one of the magnetic strip or the smart chip. The first PAN number is valid in the card processing system only for card-must-be-present transactions and the second PAN number is valid in the card processing system only for card-not-present transactions.
    Type: Application
    Filed: June 20, 2023
    Publication date: August 8, 2024
    Inventor: Lon Varns
  • Multi-use digital financial card for networked transactions
    Patent number: 11682006
    Abstract: A method of protecting transactions in a card processing system from fraud comprises issuing a payment card having a first PAN number, a second PAN number and at least one of a magnetic strip or a smart chip. The first PAN number is encoded in machine readable language on each of the at least one of the magnetic strip or the smart chip and not displayed in human readable form on the payment card. The second PAN number is displayed in human readable form on the payment card and is not encoded in machine readable language on either of the at least one of the magnetic strip or the smart chip. The first PAN number is valid in the card processing system only for card-must-be-present transactions and the second PAN number is valid in the card processing system only for card-not-present transactions.
    Type: Grant
    Filed: November 25, 2020
    Date of Patent: June 20, 2023
    Assignee: Digipay, LLC
    Inventor: Lon Varns
  • MULTI-USE DIGITAL FINANCIAL CARD FOR NETWORKED TRANSACTIONS
    Publication number: 20210158343
    Abstract: A method of protecting transactions in a card processing system from fraud comprises issuing a payment card having a first PAN number, a second PAN number and at least one of a magnetic strip or a smart chip. The first PAN number is encoded in machine readable language on each of the at least one of the magnetic strip or the smart chip and not displayed in human readable form on the payment card. The second PAN number is displayed in human readable form on the payment card and is not encoded in machine readable language on either of the at least one of the magnetic strip or the smart chip. The first PAN number is valid in the card processing system only for card-must-be-present transactions and the second PAN number is valid in the card processing system only for card-not-present transactions.
    Type: Application
    Filed: November 25, 2020
    Publication date: May 27, 2021
    Inventor: Lon Varns