Patents by Inventor Thomas J. Manessis
Thomas J. Manessis 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: 10679453Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.Type: GrantFiled: August 4, 2011Date of Patent: June 9, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Patent number: 10672215Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.Type: GrantFiled: August 4, 2011Date of Patent: June 2, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Patent number: 10572875Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: May 9, 2012Date of Patent: February 25, 2020Assignee: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, James Donald Reno
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Publication number: 20180075452Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: November 20, 2017Publication date: March 15, 2018Inventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philippe Levy, Trudy Hill
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Patent number: 9864993Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: April 6, 2009Date of Patent: January 9, 2018Assignee: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philippe Levy, Trudy Hill
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Patent number: 9769134Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.Type: GrantFiled: November 12, 2009Date of Patent: September 19, 2017Assignee: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Janet T. Roth, Pascal Achille Caillon, Jason Spielman, Terence Spielman, James Donald Reno
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Publication number: 20120323734Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: May 9, 2012Publication date: December 20, 2012Inventors: Benedicto H. Dominguez, Thomas J. Manessis, James Donald Reno
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Patent number: 8271395Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. A chip card and the authentication service independently generate cryptograms to match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: May 24, 2002Date of Patent: September 18, 2012Assignee: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, James Donald Reno
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Publication number: 20120066129Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.Type: ApplicationFiled: August 4, 2011Publication date: March 15, 2012Applicant: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Publication number: 20120066130Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.Type: ApplicationFiled: August 4, 2011Publication date: March 15, 2012Applicant: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Patent number: 8019691Abstract: Authenticating the identity and validating the profile of an individual who presents himself to another party as having a certain identity and corresponding profile data occurs during an Internet transaction. A trusted party gives a definitive answer regarding the authentication of identity and validity of profile data. The trusted party can be a financial institution that has an established relationship with the individual. For example, the financial institution can be a bank that issues a debit or credit card to the individual. The trusted party can also provide the profile data of the individual to the other party, rather than have the individual provide such data. The trusted party can also update the individual's profile data held by the other party when such data is no longer current.Type: GrantFiled: September 10, 2003Date of Patent: September 13, 2011Assignee: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Patent number: 7991701Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: September 1, 2010Date of Patent: August 2, 2011Assignee: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno
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Publication number: 20100332393Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: September 1, 2010Publication date: December 30, 2010Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno
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Patent number: 7827115Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: GrantFiled: April 24, 2001Date of Patent: November 2, 2010Assignee: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno
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Patent number: 7707120Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.Type: GrantFiled: February 19, 2003Date of Patent: April 27, 2010Assignee: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Janet T. Roth, Pascal Achille Caillon, Jason Spielman, Terence Spielman, James Donald Reno
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Publication number: 20100063895Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as with the use of tokens. Authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requesting a password from the cardholder, verifying the password, and notifying a merchant whether the cardholder's authenticity has been verified. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages via the Internet are described. Systems for implementing the authentication service in which a cardholder uses a mobile device capable of transmitting messages through voice and messaging channels is also described.Type: ApplicationFiled: November 12, 2009Publication date: March 11, 2010Applicant: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Janet T. Roth, Pascal Achille Caillon, Jason Spielman, Terence Spielman, James Donald Reno
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Publication number: 20100057619Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: April 6, 2009Publication date: March 4, 2010Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Donald Reno, Liane Redford, Philipe Levy, Trudy Hill
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Publication number: 20080301056Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: February 20, 2008Publication date: December 4, 2008Inventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray
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Publication number: 20040059688Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.Type: ApplicationFiled: September 10, 2003Publication date: March 25, 2004Applicant: Visa International Service AssociationInventors: Benedicto H. Dominguez, Thomas J. Manessis, Melody L. Rutherford, Sandra Salvatori, Janet T. Roth
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Publication number: 20030212642Abstract: A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution. One embodiment of the invention for authenticating the identity of a cardholder during an online transaction involves querying an access control server to determine if a cardholder is enrolled in the payment authentication service, requests a password from the cardholder, verifies the password, and notifies a merchant whether the cardholder's authenticity has been verified. In another aspect of the invention, a chip card and the authentication service independently generate cryptograms that must match in order for the service to verify that the correct chip card is being used by the cardholder.Type: ApplicationFiled: March 11, 2003Publication date: November 13, 2003Applicant: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray