Patents by Inventor Luba Goldberg
Luba Goldberg 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: 11636490Abstract: Provided are computer-implemented methods for linking accounts across systems which may include receiving an authorization request message including transaction data associated with a payment transaction and a primary account number (PAN); identifying a token corresponding to the PAN; transmitting a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to at least one employer system, wherein the at least one employer system is associated with at least one employer institution; and receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction. Methods may also include adjusting at least one parameter of the payment transaction based at least partially on the transaction adjustment data. Systems and computer program products are also provided.Type: GrantFiled: January 17, 2020Date of Patent: April 25, 2023Assignee: Visa International Service AssociationInventors: Jeffrey Moore, Saurabh Chopra, Luba Goldberg, Darcy Montgomery Andrews, Claire Taitague Feeley
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Publication number: 20220278986Abstract: Systems and method for verifying an identity of a user during interaction with a resource provider are disclosed. Embodiments enable using an authorization request message to inquire about an identity attribute (e.g. age) of a user during an interaction between the user and a resource provider. An authorizing entity (e.g. issuer) or a processing entity provides an answer to the inquiry within an authorization response message. The answer to the inquiry may establish whether the consumer meets a threshold (e.g. minimum age requirement).Type: ApplicationFiled: May 19, 2022Publication date: September 1, 2022Inventors: Prasanna Vanguri, Luba Goldberg, Jeffrey Moore, Alex Godshall, Neil Mumm
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Patent number: 11368460Abstract: Systems and method for verifying an identity of a user during interaction with a resource provider are disclosed. Embodiments enable using an authorization request message to inquire about an identity attribute (e.g. age) of a user during an interaction between the user and a resource provider. An authorizing entity (e.g. issuer) or a processing entity provides an answer to the inquiry within an authorization response message. The answer to the inquiry may establish whether the consumer meets a threshold (e.g. minimum age requirement).Type: GrantFiled: May 10, 2019Date of Patent: June 21, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Prasanna Vanguri, Luba Goldberg, Jeffrey Moore, Alex Godshall, Neil Mumm
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Publication number: 20210224816Abstract: Provided are computer-implemented methods for linking accounts across systems which may include receiving an authorization request message including transaction data associated with a payment transaction and a primary account number (PAN); identifying a token corresponding to the PAN; transmitting a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to at least one employer system, wherein the at least one employer system is associated with at least one employer institution; and receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction. Methods may also include adjusting at least one parameter of the payment transaction based at least partially on the transaction adjustment data. Systems and computer program products are also provided.Type: ApplicationFiled: January 17, 2020Publication date: July 22, 2021Inventors: Jeffrey Moore, Saurabh Chopra, Luba Goldberg, Darcy Montgomery Andrews, Claire Taitague Feeley
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Publication number: 20200358771Abstract: Systems and method for verifying an identity of a user during interaction with a resource provider are disclosed. Embodiments enable using an authorization request message to inquire about an identity attribute (e.g. age) of a user during an interaction between the user and a resource provider. An authorizing entity (e.g. issuer) or a processing entity provides an answer to the inquiry within an authorization response message. The answer to the inquiry may establish whether the consumer meets a threshold (e.g. minimum age requirement).Type: ApplicationFiled: May 10, 2019Publication date: November 12, 2020Inventors: Prasanna Vanguri, Luba Goldberg, Jeffrey Moore, Alex Godshall, Neil Mumm
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Patent number: 10681043Abstract: Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.Type: GrantFiled: March 28, 2019Date of Patent: June 9, 2020Assignee: Visa International Service AssociationInventors: Michael Chang, Luba Goldberg, Neil Mumm, Stephanie Tsimis
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Patent number: 10614460Abstract: Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.Type: GrantFiled: November 29, 2018Date of Patent: April 7, 2020Assignee: Visa International Service AssociationInventors: Alfred William Griggs, Brian Byrne, Lori Van Deloo, John F. Sheets, Fred Liu, Kevin Weller, Andre Machicao, Luba Goldberg, Marc Batchan, Kevin Yuann
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Publication number: 20190222573Abstract: Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.Type: ApplicationFiled: March 28, 2019Publication date: July 18, 2019Inventors: Michael Chang, Luba Goldberg, Neil Mumm, Stephanie Tsimis
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Patent number: 10291610Abstract: Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.Type: GrantFiled: December 15, 2015Date of Patent: May 14, 2019Assignee: Visa International Service AssociationInventors: Michael Chang, Luba Goldberg, Neil Mumm, Stephanie Tsimis
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Publication number: 20190095914Abstract: Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.Type: ApplicationFiled: November 29, 2018Publication date: March 28, 2019Inventors: Alfred William Griggs, Brian Byrne, Lori Van Deloo, John F. Sheets, Fred Liu, Kevin Weller, Andre Machicao, Luba Goldberg, Marc Batchan, Kevin Yuann
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Patent number: 10176478Abstract: Systems and methods are described that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.Type: GrantFiled: October 23, 2013Date of Patent: January 8, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Alfred William Griggs, Brian Byrne, Lori Van Deloo, John F. Sheets, Fred Liu, Kevin Weller, Andre Machicao, Luba Goldberg, Marc Batchan, Kevin Yuann
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Publication number: 20170171195Abstract: Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.Type: ApplicationFiled: December 15, 2015Publication date: June 15, 2017Inventors: Michael Chang, Luba Goldberg, Neil Mumm, Stephanie Tsimis
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Publication number: 20140114857Abstract: Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction.Type: ApplicationFiled: October 23, 2013Publication date: April 24, 2014Inventors: Alfred William Griggs, Brian Byrne, Lori Van Deloo, John F. Sheets, Fred Liu, Kevin Weller, Andre Machicao, Luba Goldberg, Marc Batchan, Kevin Yuann