Patents by Inventor Sheldon Banow

Sheldon Banow 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: 12355888
    Abstract: A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value. The method also includes providing a token data response message including a verification value to the token requestor, receiving an authorization request message comprising the token, the verification value, and one or more data elements in a plurality of data fields, determining the permanent resource provider identifier using the one or more data elements in the plurality of data fields, and determining that the verification value in the authorization request message matches the verification value that was provided to the token requestor.
    Type: Grant
    Filed: March 20, 2024
    Date of Patent: July 8, 2025
    Assignee: Visa International Service Association
    Inventors: Sheldon Banow, Eduardo Lopez, Sayeed Mohammed
  • Publication number: 20250132917
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Application
    Filed: December 24, 2024
    Publication date: April 24, 2025
    Applicant: Visa International Service Association
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
  • Patent number: 12219061
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Grant
    Filed: December 21, 2020
    Date of Patent: February 4, 2025
    Assignee: Visa International Service Association
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman
  • Publication number: 20240235838
    Abstract: A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value. The method also includes providing a token data response message including a verification value to the token requestor, receiving an authorization request message comprising the token, the verification value, and one or more data elements in a plurality of data fields, determining the permanent resource provider identifier using the one or more data elements in the plurality of data fields, and determining that the verification value in the authorization request message matches the verification value that was provided to the token requestor.
    Type: Application
    Filed: March 20, 2024
    Publication date: July 11, 2024
    Applicant: Visa International Service Association
    Inventors: Sheldon Banow, Eduardo Lopez, Sayeed Mohammed
  • Patent number: 11973871
    Abstract: A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value, and domain controls.
    Type: Grant
    Filed: January 20, 2022
    Date of Patent: April 30, 2024
    Assignee: Visa International Service Association
    Inventors: Sheldon Banow, Eduardo Lopez, Sayeed Mohammed
  • Publication number: 20230231717
    Abstract: A method is disclosed, and includes receiving from a token requestor, a token data request message comprising an initial resource provider identifier, and determining a permanent resource provider identifier using the initial resource provider identifier. The method also includes determining a verification value, and associating the permanent resource provider identifier with a token, the verification value, and domain controls.
    Type: Application
    Filed: January 20, 2022
    Publication date: July 20, 2023
    Inventors: Sheldon Banow, Eduardo Lopez, Sayeed Mohammed
  • Publication number: 20230035507
    Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.
    Type: Application
    Filed: December 21, 2020
    Publication date: February 2, 2023
    Inventors: Sayeed Mohammed, Alan Johnson, Sheldon Banow, Fouad Rabhi, Laszlo Spoor, Mohammed Chakib Bouda, Rahmat Adnan, Arvind Santhanaraman