Patents by Inventor Michael CASSIN

Michael CASSIN 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).

  • UNIQUE TOKEN AUTHENTICATION VERIFICATION VALUE
    Publication number: 20220231851
    Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
    Type: Application
    Filed: April 6, 2022
    Publication date: July 21, 2022
    Inventors: Michael Cassin, Christian Flurscheim, Christopher Jones
  • Unique token authentication verification value
    Patent number: 11329822
    Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: May 10, 2022
    Assignee: Visa International Service Association
    Inventors: Michael Cassin, Christian Flurscheim, Christopher Jones
  • UNIQUE TOKEN AUTHENTICATION VERIFICATION VALUE
    Publication number: 20190288844
    Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
    Type: Application
    Filed: June 4, 2019
    Publication date: September 19, 2019
    Inventors: Michael CASSIN, Christian FLURSCHEIM, Christopher JONES
  • Unique token authentication cryptogram
    Patent number: 10361856
    Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
    Type: Grant
    Filed: June 23, 2017
    Date of Patent: July 23, 2019
    Assignee: Visa International Service Association
    Inventors: Michael Cassin, Christian Flurscheim, Christopher Jones
  • UNIQUE TOKEN AUTHENTICATION CRYPTOGRAM
    Publication number: 20170373852
    Abstract: Embodiments of the invention are directed to systems and methods for validating transactions using a cryptogram. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a communication device provisioned with a token. The method comprises receiving, by a service provider computer, from an application on the communication device, a request for a token authentication cryptogram, wherein the token authentication cryptogram includes encrypted user exclusive data. The service provider computer may generate the token authentication cryptogram to include the user exclusive data. The service provider computer may send the token authentication cryptogram to the application, where the token authentication cryptogram can be used to validate the transaction, and the user exclusive data is extracted from the token authentication cryptogram during validation.
    Type: Application
    Filed: June 23, 2017
    Publication date: December 28, 2017
    Inventors: Michael CASSIN, Christian FLURSCHEIM, Christopher JONES