Patents by Inventor Tony D. Lewis
Tony D. Lewis 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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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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Publication number: 20160358175Abstract: 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: July 21, 2016Publication date: December 8, 2016Inventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray, James Reno
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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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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: 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
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Publication number: 20020111919Abstract: 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 24, 2001Publication date: August 15, 2002Applicant: Visa International Service AssociationInventors: Kevin D. Weller, Stephen W. Ryan, Peter R. Hill, Thomas J. Manessis, Tony D. Lewis, Benedicto H. Dominguez, Peter Bray