Patents by Inventor Michael T. Clay

Michael T. Clay 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).

  • Method and system for secure authentication
    Patent number: 8359474
    Abstract: A system and method configured to provide secure Personal Identification Number (PIN) based authentication is disclosed. A passcode or PIN associated with a customer value card can be securely authenticated by an issuer prior to authorizing payment. An Access Control Server (ACS) can receive the PIN or passcode from a customer via a secure connection over a public network. The ACS can generate an encrypted PIN and can communicate the encrypted PIN to a remote issuer for authentication. The ACS can use one or more hardware security modules to generate the encrypted PIN. The hardware security modules can be emulated in software or implemented in hardware. The system can be configured such that the PIN is not exposed in an unencrypted form in a communication link or in hardware other than the originating customer terminal.
    Type: Grant
    Filed: March 1, 2010
    Date of Patent: January 22, 2013
    Assignee: Visa U.S.A. Inc.
    Inventors: Robert W. Seaton, Jr., Terence Spielman, Penny Cornwell, Neal Blackwood, Michael T. Clay
  • METHOD AND SYSTEM FOR SECURE AUTHENTICATION
    Publication number: 20100217999
    Abstract: A system and method configured to provide secure Personal Identification Number (PIN) based authentication is disclosed. A passcode or PIN associated with a customer value card can be securely authenticated by an issuer prior to authorizing payment. An Access Control Server (ACS) can receive the PIN or passcode from a customer via a secure connection over a public network. The ACS can generate an encrypted PIN and can communicate the encrypted PIN to a remote issuer for authentication. The ACS can use one or more hardware security modules to generate the encrypted PIN. The hardware security modules can be emulated in software or implemented in hardware. The system can be configured such that the PIN is not exposed in an unencrypted form in a communication link or in hardware other than the originating customer terminal.
    Type: Application
    Filed: March 1, 2010
    Publication date: August 26, 2010
    Inventors: Robert W. Seaton, JR., Terence Spielman, Penny Cornwell, Neal Blackwood, Michael T. Clay
  • Method and system for secure authentication
    Patent number: 7702916
    Abstract: A system and method configured to provide secure Personal Identification Number (PIN) based authentication is disclosed. A passcode or PIN associated with a customer value card can be securely authenticated by an issuer prior to authorizing payment. An Access Control Server (ACS) can receive the PIN or passcode from a customer via a secure connection over a public network. The ACS can generate an encrypted PIN and can communicate the encrypted PIN to a remote issuer for authentication. The ACS can use one or more hardware security modules to generate the encrypted PIN. The hardware security modules can be emulated in software or implemented in hardware. The system can be configured such that the PIN is not exposed in an unencrypted form in a communication link or in hardware other than the originating customer terminal.
    Type: Grant
    Filed: March 31, 2004
    Date of Patent: April 20, 2010
    Assignee: VISA U.S.A. Inc.
    Inventors: Robert W. Seaton, Jr., Terence Spielman, Penny Cornwell, Neal Blackwood, Michael T. Clay