Patents by Inventor Michelle H. Wallace

Michelle H. Wallace 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 for authenticating credit transactions to prevent fraudulent charges
    Patent number: 5988497
    Abstract: A dynamic authentication process having multiple tiers of validation. A first tier of validation authenticates the credit transaction based upon static personal identification numbers. If this first tier of validation is satisfied, a threshold determination is made as to whether a secondary tier of validation is required. These thresholds are defined by either the service provider or the card holder to address the additional costs of a second tier of validation.
    Type: Grant
    Filed: May 30, 1996
    Date of Patent: November 23, 1999
    Assignee: MCI Communications Corporation
    Inventor: Michelle H. Wallace