Patents by Inventor Paul Turgeon
Paul Turgeon 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).
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Patent number: 11868920Abstract: A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.Type: GrantFiled: September 28, 2020Date of Patent: January 9, 2024Assignee: CardinalCommerce CorporationInventor: Paul Turgeon
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Publication number: 20210019743Abstract: A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.Type: ApplicationFiled: September 28, 2020Publication date: January 21, 2021Inventor: Paul Turgeon
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Patent number: 10810584Abstract: A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.Type: GrantFiled: February 12, 2013Date of Patent: October 20, 2020Assignee: CardinalCommerce CorporationInventor: Paul Turgeon
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Patent number: 10504098Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: GrantFiled: April 18, 2016Date of Patent: December 10, 2019Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Paul Turgeon
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Publication number: 20160232529Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: ApplicationFiled: April 18, 2016Publication date: August 11, 2016Applicant: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Paul Turgeon
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Patent number: 9317850Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: GrantFiled: April 5, 2011Date of Patent: April 19, 2016Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Paul Turgeon
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Publication number: 20130212020Abstract: A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain.Type: ApplicationFiled: February 12, 2013Publication date: August 15, 2013Applicant: CARDINALCOMMERCE CORPORATIONInventor: Paul Turgeon
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Publication number: 20110246324Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.Type: ApplicationFiled: April 5, 2011Publication date: October 6, 2011Inventors: Michael A. Keresman, III, Paul Turgeon
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Patent number: 7669233Abstract: Methods and systems are provided for generating a party static token to be used in combination with a party dynamic token for identifying a party to a host system. Identification information that identifies the party to the host system is received. Such identification information includes a host dynamic token and a host static token. A false host dynamic token that differs from the host dynamic token is generated. The host dynamic token and the false host dynamic token are encrypted. In addition, information that uniquely identifies the party dynamic token is encrypted. The party static token is produced from a combination of the encrypted host dynamic token, the encrypted false host dynamic token, and the encrypted information that uniquely identifies the party dynamic token.Type: GrantFiled: February 25, 2005Date of Patent: February 23, 2010Assignee: Metavante CorporationInventors: David Grace, Paul Turgeon
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Publication number: 20100017333Abstract: Methods are disclosed of processing financial transactions. A connection is established over a public network between a customer client and a merchant server. A file is received over the connection from the merchant server at the customer client. An application is launched at the merchant server in response to receiving the file. Financial transaction data are received with the launched application. The received financial transaction data are transmitted with the launched application over the connection from the customer client to the merchant server to initiate processing of the financial transaction with the received financial transaction data.Type: ApplicationFiled: July 15, 2008Publication date: January 21, 2010Applicant: Payments & Processing Consultants, Inc.Inventor: Paul Turgeon
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Publication number: 20050228755Abstract: Methods and systems are provided for generating a party static token to be used in combination with a party dynamic token for identifying a party to a host system. Identification information that identifies the party to the host system is received. Such identification information includes a host dynamic token and a host static token. A false host dynamic token that differs from the host dynamic token is generated. The host dynamic token and the false host dynamic token are encrypted. In addition, information that uniquely identifies the party dynamic token is encrypted. The party static token is produced from a combination of the encrypted host dynamic token, the encrypted false host dynamic token, and the encrypted information that uniquely identifies the party dynamic token.Type: ApplicationFiled: February 25, 2005Publication date: October 13, 2005Applicant: Metavante CorporationInventors: David Grace, Paul Turgeon
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Publication number: 20050075974Abstract: Methods and systems are provided for depositing funds in a deposit account. A request to credit a specified amount to the deposit account is received at a node of a financial-services network that has multiple interconnected nodes. The request includes an indirect identification of the deposit account. A direct identification of the deposit account is determined from the indirect identification and from a nonpublic mapping of a indirect identifications to identifications of respective deposit accounts. An instruction is issued to credit the deposit account with the specified amount in accordance with the determined direct identification.Type: ApplicationFiled: October 6, 2003Publication date: April 7, 2005Applicant: First Data CorporationInventor: Paul Turgeon
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Publication number: 20020152180Abstract: There is provided a system and method for providing a payment service including processing a payment service request having independent identification information and a pair of ATM network compatible PINs, including validating the independent identification information and generating an ATM network transaction message containing at least a selected one of the pair of ATM network compatible PINs based at least in part on said validating step; and forwarding the ATM network transaction message to a financial institution over an ATM network for payment. The system and method may also include providing a data storage device for interacting with a network access device where the data storage device has the pair of ATM network compatible PINs stored thereon; and each one of the pair of ATM network compatible PINs is independently encrypted and different from one another.Type: ApplicationFiled: March 1, 2002Publication date: October 17, 2002Inventor: Paul Turgeon