1
Kevin Weller, Kim Steele, Krishna Prasad Koganti, Patrick Faith: Online challenge-response. Visa International Service Association, Kilpatrick Townsend & Stockton, September 10, 2013: US08533118 (54 worldwide citation)

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 presen ...


2
Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell: Systems and methods to enhance security in transactions. VISA INTERNATIONAL SERVICE ASSOCIATION, Greenberg Traurig, April 18, 2017: US09626678 (6 worldwide citation)

A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication ...


3
Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez: Verification of portable consumer device for secure services. Visa International Service Association, Kilpatrick Townsend Stockton, August 11, 2015: US09105027 (5 worldwide citation)

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 ...


4
Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez: Verification of portable consumer device for 3-D secure services. Kilpatrick Townsend & Stockton, November 20, 2012: US08313022 (5 worldwide citation)

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 ...


5
Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick: Systems and methods to apply the benefit of offers via a transaction handler. VISA INTERNATIONAL SERVICE ASSOCIATION, Greenberg Traurig, October 4, 2016: US09460436 (2 worldwide citation)

A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configure ...


6
Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick: Systems and methods to process transactions and offers via a gateway. VISA INTERNATIONAL SERVICE ASSOCIATION, Greenberg Traurig, November 15, 2016: US09495690 (2 worldwide citation)

A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction ter ...


7
Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Krishna Prasad Koganti: Access using a mobile device with an accelerometer. Visa International Service Association, Kilpatrick Townsend & Stockton, November 3, 2015: US09176543 (2 worldwide citation)

Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interactio ...


8
Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez: Secure authentication system and method. Visa International Service Association, Kilpatrick Townsend & Stocktown, August 7, 2018: US10043186

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a v ...


9
Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez: Secure authentication system and method. Visa International Service Association, Kilpatrick Townsend & Stockton, October 17, 2017: US09792611

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a verification token is associated with a computer and can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation ...


10
Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick: Systems and methods to apply benefit of offers. Visa International Service Association, The Webb Law Firm, March 20, 2018: US09922338

To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first ...