Patents by Inventor Niall McCullagh

Niall McCullagh 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).

  • Patent number: 10839374
    Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.
    Type: Grant
    Filed: May 31, 2017
    Date of Patent: November 17, 2020
    Assignee: Visa International Service Association
    Inventors: Niall McCullagh, Seamus Cushley
  • Publication number: 20170270515
    Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.
    Type: Application
    Filed: May 31, 2017
    Publication date: September 21, 2017
    Inventors: Niall McCullagh, Seamus Cushley
  • Patent number: 9704155
    Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.
    Type: Grant
    Filed: July 26, 2012
    Date of Patent: July 11, 2017
    Assignee: Visa International Service Association
    Inventors: Niall McCullagh, Seamus Cushley
  • Publication number: 20130031006
    Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.
    Type: Application
    Filed: July 26, 2012
    Publication date: January 31, 2013
    Inventors: Niall McCullagh, Seamus Cushley