Patents by Inventor Miranda Morgan

Miranda Morgan 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).

  • Audible authentication
    Patent number: 11315571
    Abstract: A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: April 26, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Archana Reddy Manchireddy, Sumit Amar, Patrick Ryan Flanagan, Srinivas Bhagavathula, Miranda Morgan, Meryl Lazer
  • AUDIBLE AUTHENTICATION
    Publication number: 20200168229
    Abstract: A method is disclosed. A digital assistant device receives a biometric sample from a user and then converts the biometric sample to a biometric template. The digital assistant device can scan for user devices in communication range of the digital assistant device, thereby receiving user device identifiers. The digital assistant device can transmit, to a server computer, an authentication request comprising the biometric template and at least one user device identifier. The digital assistant device can then receive a cryptogram request message comprising the at least one user device identifier, from the server computer. The digital assistant device can transmit, to a user device corresponding to the at least one user device identifier, the cryptogram request message and can then receive a cryptogram. The digital assistant device can then transmit the cryptogram to the server computer. The server computer verifies the cryptogram before further processing of a transaction.
    Type: Application
    Filed: November 28, 2018
    Publication date: May 28, 2020
    Inventors: Archana Reddy Manchireddy, Sumit Amar, Patrick Ryan Flanagan, Srinivas Bhagavathula, Miranda Morgan, Meryl Lazer