Patents by Inventor Stephen E. Lindner

Stephen E. Lindner 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).

  • Publication number: 20160217459
    Abstract: During token and PAN provisioning, instead of just having one token per one PAN for a single use case (PAN), between 1 and N tokens per a single PAN are provisioned. During provisioning a decision engine will supply additional details that are applied to each token. This additional information is stored in a token virtual vault that houses the mapping between PAN and token. Then, during a transaction, the decision engine chooses which token to give to the merchant to process business as usual. When the token comes into the network, additional information associated with that individual token may be identified. This information may be conveyed to a transaction account Issuer in substantially real time on and/or appended to the transactional message.
    Type: Application
    Filed: January 28, 2015
    Publication date: July 28, 2016
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Stephen E. Lindner, Brett A. Mcleod, Alois T. Stock