Patents by Inventor Mike Yakel

Mike Yakel 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).

  • Adaptive authentication options
    Patent number: 10748147
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: August 18, 2020
    Assignee: Visa U.S.A. Inc.
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
  • ADAPTIVE AUTHENTICATION OPTIONS
    Publication number: 20190287104
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Application
    Filed: June 3, 2019
    Publication date: September 19, 2019
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
  • Adaptive authentication options
    Patent number: 10346837
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Grant
    Filed: November 6, 2007
    Date of Patent: July 9, 2019
    Assignee: Visa U.S.A. Inc.
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van Deloo
  • ADAPTIVE AUTHENTICATION OPTIONS
    Publication number: 20080120214
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Application
    Filed: November 6, 2007
    Publication date: May 22, 2008
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van Deloo