Patents by Inventor Susan Zloth

Susan Zloth 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: 20190066102
    Abstract: Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.
    Type: Application
    Filed: October 26, 2018
    Publication date: February 28, 2019
    Inventors: Glenn Powell, John F. Sheets, Paul Tait, Kim Wagner, Krishna Koganti, Marc Perl, Hector Rodriguez, Susan Zloth
  • Patent number: 10147089
    Abstract: Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.
    Type: Grant
    Filed: January 7, 2013
    Date of Patent: December 4, 2018
    Assignee: Visa International Service Association
    Inventors: Glenn Powell, John Sheets, Paul Tait, Kim Wagner, Krishna Koganti, Marc Perl, Hector Rodriguez, Susan Zloth
  • Publication number: 20130212026
    Abstract: Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.
    Type: Application
    Filed: January 7, 2013
    Publication date: August 15, 2013
    Inventors: Glenn Powell, John Sheets, Paul Tait, Kim Wagner, Krishna Koganti, Marc Perl, Hector Rodriguez, Susan Zloth
  • Patent number: 8346671
    Abstract: A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.
    Type: Grant
    Filed: April 1, 2010
    Date of Patent: January 1, 2013
    Assignee: Merchant Link, LLC
    Inventors: Susan Zloth, Daniel Lane, Benjamin Smyth
  • Publication number: 20110246372
    Abstract: A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.
    Type: Application
    Filed: April 1, 2010
    Publication date: October 6, 2011
    Applicant: MERCHANT LINK, LLC
    Inventors: Susan Zloth, Daniel Lane, Benjamin Smyth