Mike D Lindelsee

US Patent:

8364593, Jan 29, 2013

Filed:

Jun 29, 2010

Appl. No.:

12/826157

Inventors:

Greg Trifiletti - Saratoga CA, US
Olivier Brand - Walnut Creek CA, US
Mike Lindelsee - Redwood City CA, US
James Dimmick - Berkshire, GB
Dave Wentker - San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

US Patent:

8504475, Aug 6, 2013

Filed:

Aug 9, 2010

Appl. No.:

12/853101

Inventors:

Olivier Brand - Walnut Creek CA, US
Gregory Trifiletti - Saratoga CA, US
Mike Lindelsee - Redwood City CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 20/10

US Classification:

705 39, 705 35, 705 38

Abstract:

Embodiments of the invention are direction to systems, apparatuses and methods for enrolling users in a payment service that enables an individual (“a presenter”) to conduct a payment transaction with another party (“an acceptor”) more efficiently in situations where the individual has multiple payment accounts. One embodiment of the invention is directed to a method comprising presenting to a user a plurality of payment accounts associated with the user, receiving from the user a selection of an alias account identifier for each of the payment accounts, and storing in a database data that associates the selected alias account identifiers with the payment accounts.

US Patent:

20060167818, Jul 27, 2006

Filed:

Jan 21, 2005

Appl. No.:

11/040363

Inventors:

David Wentker - San Francisco CA, US
Mike Lindelsee - Menlo Park CA, US
Gabriel Wachob - Redwood City CA, US

International Classification:

H04L 9/00

US Classification:

705064000

Abstract:

Methods and systems for exchanging data related to financial transactions utilizing a public network are disclosed. One or more participant computer systems are in communication with the public network. Each participant computer system includes at least one application for performing functions related to a financial transaction, and a gateway providing an interface for sending and receiving data between participant computer systems. At least one directory is used to identify a path for transmitting data between participant computer systems. Upon receiving a message from an application, the gateway accesses the directory to determine a destination address. The gateway then uses the address to open a channel through the public network to send the message to another participant computer system.

US Patent:

20100198728, Aug 5, 2010

Filed:

Sep 21, 2009

Appl. No.:

12/563540

Inventors:

Christian Aabye - Foster City CA, US
Olivier Brand - Walnut Creek CA, US
Mike Lindelsee - Emerald Hills CA, US
Joseph J. Mirizzi - Copperopolis CA, US
Hao Ngo - San Jose CA, US
Lauren White - San Bruno CA, US
David William Wilson - Surrey, GB

International Classification:

G06F 21/22
G06Q 40/00
H04L 9/32

US Classification:

705 44, 726 28, 726 19, 726 18, 726 26

Abstract:

Systems, apparatus, and methods for managing a payment application installed on a mobile device, such as a mobile phone are provided. An Issuer of a payment device can remotely control the payment application by instructing a wireless network carrier or operator to transmit a message to the mobile phone, where the message contains an instruction to perform an operation related to the payment application. The Issuer can remotely reset a counter or a password associated with the payment application, lock or unlock a payment application, and set the access control data to a predetermined value, to prevent unauthorized use of the payment application in the situation in which the mobile phone is lost or stolen, or the Issuer desires to limit access to the payment application for other reasons, such as limiting its exposure to unauthorized uses of the payment device.

US Patent:

20100318783, Dec 16, 2010

Filed:

Jun 8, 2010

Appl. No.:

12/796087

Inventors:

Ashwin Raj - Foster City CA, US
John Tullis - San Francisco CA, US
Mark Carlson - Half Moon Bay CA, US
Patrick Faith - Pleasanton CA, US
Shalini Mayor - Foster City CA, US
Joseph Mirizzi - Copperopolis CA, US
Lauren White - San Mateo CA, US
Olivier Brand - Walnut Creek CA, US
Mike Lindelsee - Redwood City CA, US

International Classification:

H04L 9/32
G06F 21/20

US Classification:

713150, 726 6

Abstract:

Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

US Patent:

20110010234, Jan 13, 2011

Filed:

Jun 16, 2010

Appl. No.:

12/817103

Inventors:

Mike Lindelsee - Redwood City CA, US
Erick Wong - Menlo Park CA, US
David Wentker - San Francisco CA, US
Olivier Brand - Walnut Creek CA, US
Joseph J. Mirizzi - Copperopolis CA, US
Derek Alan Vroom - San Mateo CA, US

International Classification:

G06Q 30/00
G06Q 40/00

US Classification:

705 1423, 705 1436

Abstract:

Systems and methods for redeeming coupons are provided. The method includes receiving a coupon at a mobile payment device, determining whether a mobile payment application is active. If the mobile payment application is not active, the mobile payment device may automatically initiate the mobile payment application and conduct the transaction using the received coupon. The method further includes enrolling the mobile payment device in a coupon redemption program prior to using the coupon. The method also includes tracking a consumer's transaction information and sending one or more coupons based on the transaction information. The mobile payment device used for conducting the transaction includes a contactless element that can use the near field communications technology to conduct payment transactions.

US Patent:

20110178925, Jul 21, 2011

Filed:

Jan 19, 2011

Appl. No.:

13/009162

Inventors:

Mike Lindelsee - Redwood City CA, US
Olivier Brand - Walnut Creek CA, US
James Dimmick - Foster City CA, US
Benedicto Dominguez - San Bruno CA, US

International Classification:

G06Q 20/00

US Classification:

705 44

Abstract:

A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel.

US Patent:

20110178926, Jul 21, 2011

Filed:

Jan 19, 2011

Appl. No.:

13/009177

Inventors:

Mike Lindelsee - Redwood City CA, US
Olivier Brand - Walnut Creek CA, US
James Dimmick - Foster City CA, US
Benedicto Dominguez - San Bruno CA, US

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel.