Kevin D Weller, 6663 Fernwood Dr, San Anselmo, CA 94960

7991701, Aug 2, 2011

Sep 1, 2010

12/873869

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US
James Donald Reno - Scotts Valley CA, US

Visa International Service Association - Foster City CA

G06Q 99/00

705 78, 705 64, 705 65, 705 72, 705 79, 713150

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.

8313022, Nov 20, 2012

Jan 10, 2012

13/347495

Ayman Hammad - Pleasanton CA, US
Patrick Faith - Pleasanton CA, US
Krishna Prasad Koganti - Cupertino CA, US
Ben Rewis - Oakland CA, US
Brendan Xavier Louis - Tracy CA, US
Kevin Weller - San Anselmo CA, US
Benedicto Hernandez Dominguez - San Bruno CA, US

G06K 5/00

235380, 235375, 235379

Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e. g. , credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.

8533118, Sep 10, 2013

Nov 5, 2009

12/613395

Kevin Weller - San Anselmo CA, US
Kim Steele - Aldie VA, US
Krishna Prasad Koganti - Cupertino CA, US
Patrick Faith - Pleasanton CA, US

Visa International Service Association - San Francisco CA

G06Q 40/00

705 44, 705 35

Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.

2002011, Aug 15, 2002

Apr 24, 2001

09/842313

Kevin Weller - San Francisco CA, US
Stephen Ryan - Half Moon Bay CA, US
Peter Hill - Montecito CA, US
Thomas Manessis - Pacifica CA, US
Tony Lewis - Castro Valley CA, US
Benedicto Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US

Visa International Service Association

G06F017/60

705/067000

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.

2003021, Nov 13, 2003

Mar 11, 2003

10/384735

Kevin Weller - San Francisco CA, US
Stephen Ryan - Half Moon Bay CA, US
Peter Hill - Montecito CA, US
Thomas Manessis - Pacifica CA, US
Tony Lewis - Castro Valley CA, US
Benedicto Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US

Visa International Service Association

G06F017/60

705/067000

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.

2008012, May 22, 2008

Nov 6, 2007

11/935740

Kim Steele - Aldie VA, US
Mike Yakel - Charlotte NC, US
Kevin Weller - San Anselmo CA, US
Patrick Faith - Pleasanton CA, US
Lori D. Van Deloo - Los Altos CA, US

G06Q 40/00

705 35

A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.

2008030, Dec 4, 2008

Feb 20, 2008

12/034606

Kevin D. Weller - San Francisco CA, US
Stephen W. Ryan - Half Moon Bay CA, US
Peter R. Hill - Montecito CA, US
Thomas J. Manessis - Pacifica CA, US
Tony D. Lewis - Castro Valley CA, US
Benedicto H. Dominguez - San Bruno CA, US
Peter Bray - Castro Valley CA, US

H04L 9/32

705 67

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.

2009031, Dec 17, 2009

Apr 30, 2009

12/433086

Patrick Faith - Pleasanton CA, US
Krishna Prasad Koganti - Cupertino CA, US
Lori D. Van Deloo - Los Altos CA, US
Taylor Montgomery Mason - Wilmington DE, US
Kim Steele - Aldie VA, US
Kevin Weller - San Anselmo CA, US
Ayman Hammad - Pleasanton CA, US
Kevin Eric Wong - Sausalito CA, US

G06Q 20/00
G06Q 30/00
G06Q 40/00
G06F 15/16

705 26, 705 35, 705 41, 705 44, 709206

Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.