Patents by Inventor Robert Langham
Robert Langham 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: 11481779Abstract: A method of authorizing a debit transaction involves a server receiving from a debit terminal an authorization request message requesting authorization for a debit transaction initiated from the debit terminal. The authorization request message includes a payment credential, a cryptogram and authorization data. The server authorizes the debit transaction without receiving confirmation of authenticity of an identity of an operator of the debit terminal. The server authorizes the debit transaction by confirming that the cryptogram was generated from the payment credential and the authorization data; determining from a database an account number and a default payment amount that is associated with the payment credential in the database, and debiting a financial account associated with the account number by a debit amount equal to the default payment amount. The server transmits to the terminal an authorization response message that authorizes the terminal to release funds in the debit amount.Type: GrantFiled: September 14, 2018Date of Patent: October 25, 2022Assignee: The Toronto-Dominion BankInventors: Scott Lawson Hambleton, Steven Robert Langham
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Patent number: 11227275Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.Type: GrantFiled: September 5, 2017Date of Patent: January 18, 2022Assignee: The Toronto-Dominion BankInventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
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Patent number: 10906694Abstract: A collapsible crate and a method for synchronizing a method of assembling a collapsible crate are provided. The collapsible crate comprising a base, a first panel, a second panel, and a band style fastener. The first panel and the second panel are at least partially disposed within gaps between stringers of the base. The band style fastener is disposed about a portion of the base and a portion of one of the first panel and the second panel. The band style fastener secures the one of the first panel and the second panel to the base. The first panel and the second panel at least partially disposed in the base facilitates a transition fit therebetween. The collapsible crate is compact when the crate is collapsed and decreases a cost of the crate.Type: GrantFiled: September 25, 2018Date of Patent: February 2, 2021Assignee: Pilkington Group LimitedInventors: Justin Sugar, Robert Langham
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Publication number: 20190092518Abstract: A collapsible crate and a method for synchronizing a method of assembling a collapsible crate are provided. The collapsible crate comprising a base, a first panel, a second panel, and a band style fastener. The first panel and the second panel are at least partially disposed within gaps between stringers of the base. The band style fastener is disposed about a portion of the base and a portion of one of the first panel and the second panel. The band style fastener secures the one of the first panel and the second panel to the base. The first panel and the second panel at least partially disposed in the base facilitates a transition fit therebetween. The collapsible crate is compact when the crate is collapsed and decreases a cost of the crate.Type: ApplicationFiled: September 25, 2018Publication date: March 28, 2019Applicant: Pilkington Group LimitedInventors: Justin Sugar, Robert Langham
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Publication number: 20190012668Abstract: A method of authorizing a debit transaction involves a server receiving from a debit terminal an authorization request message requesting authorization for a debit transaction initiated from the debit terminal. The authorization request message includes a payment credential, a cryptogram and authorization data. The server authorizes the debit transaction without receiving confirmation of authenticity of an identity of an operator of the debit terminal. The server authorizes the debit transaction by confirming that the cryptogram was generated from the payment credential and the authorization data; determining from a database an account number and a default payment amount that is associated with the payment credential in the database, and debiting a financial account associated with the account number by a debit amount equal to the default payment amount. The server transmits to the terminal an authorization response message that authorizes the terminal to release funds in the debit amount.Type: ApplicationFiled: September 14, 2018Publication date: January 10, 2019Inventors: Scott Lawson HAMBLETON, Steven Robert LANGHAM
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Patent number: 10096027Abstract: A method of authorizing a debit transaction involves a server receiving from a debit terminal a message requesting authorization for a debit transaction. The message includes a credential provided by a payment token interfaced with the debit terminal. The credential is uniquely associated with the token. The server is in communication with a payment definition database that associates a plurality of payment credentials each with a respective financial account and a default payment amount. The server determines the financial account and the default amount by querying the database with the received credential. Particulars of the determined financial account and default amount are indeterminable from only the credential. The server authenticates the message and facilitates a debit in the default amount from the financial account. The server performs the receiving, determining, authenticating and facilitating all without confirmation of authentication of a bearer of the token.Type: GrantFiled: March 12, 2015Date of Patent: October 9, 2018Assignee: The Toronto-Dominion BankInventors: Scott Lawson Hambleton, Steven Robert Langham
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Publication number: 20170364895Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.Type: ApplicationFiled: September 5, 2017Publication date: December 21, 2017Inventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
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Publication number: 20160012468Abstract: A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant.Type: ApplicationFiled: July 10, 2015Publication date: January 14, 2016Inventors: Lauren van Heerden, Orin Del Vecchio, Gunalan Nadarajah, Paul Mon-Wah Chan, Steve Robert Langham, Jonathan K. Barnett, Jakub Danielak, Roisin Fritz, John Jong Suk Lee, Rob Miller, Ashraf Metwalli
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Publication number: 20160012469Abstract: A method of effecting an incentive transaction involves a computer server receiving a transaction notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction to be transacted with an incentive account. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The incentive account is jointly associated with the plurality of plan participants. The notification message includes a product code and the participant identifier of one plan participant.Type: ApplicationFiled: July 10, 2015Publication date: January 14, 2016Inventors: Lauren van Heerden, Orin Del Vecchio, Gunalan Nadarajah, Paul Mon-Wah Chan, Steve Robert Langham, Jonathan K. Barnett, Jakub Danielak, Roisin Fritz, John Jong Suk Lee, Rob Miller, Ashraf Metwalli
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Publication number: 20150262180Abstract: A method of authorizing a debit transaction involves a server receiving from a debit terminal a message requesting authorization for a debit transaction. The message includes a credential provided by a payment token interfaced with the debit terminal. The credential is uniquely associated with the token. The server is in communication with a payment definition database that associates a plurality of payment credentials each with a respective financial account and a default payment amount. The server determines the financial account and the default amount by querying the database with the received credential. Particulars of the determined financial account and default amount are indeterminable from only the credential. The server authenticates the message and facilitates a debit in the default amount from the financial account. The server performs the receiving, determining, authenticating and facilitating all without confirmation of authentication of a bearer of the token.Type: ApplicationFiled: March 12, 2015Publication date: September 17, 2015Inventors: Scott Lawson HAMBLETON, Steven Robert LANGHAM
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Publication number: 20140337235Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.Type: ApplicationFiled: May 8, 2014Publication date: November 13, 2014Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Prabaharan Sivashanmugam, Dino D'agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham