William A Thaw

US Patent:

8321345, Nov 27, 2012

Filed:

May 31, 2011

Appl. No.:

13/149553

Inventors:

Oleg Makhotin - San Mateo CA, US
Trudy Hill - Foster City CA, US
Erick Wong - Menlo Park CA, US
Oleg Makarenko - Moscow, RU
Hao Ngo - San Jose CA, US
Christian Aabye - Foster City CA, US
William Alexander Thaw - San Mateo CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 30/00
G06Q 20/00

US Classification:

705 41, 705 39, 705 64, 705 65, 705 66

Abstract:

An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc. ) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.

US Patent:

8412640, Apr 2, 2013

Filed:

Sep 16, 2010

Appl. No.:

12/883919

Inventors:

Phil Dixon - San Diego CA, US
Ayman Hammad - Pleasanton CA, US
William Alexander Thaw - South San Francisco CA, US
Christian Aabye - Foster City CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06F 17/60

US Classification:

705 76, 705 77, 705 78, 705 79, 705 64, 713176, 713177, 713178, 713 17, 726 1

Abstract:

At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.

US Patent:

8630954, Jan 14, 2014

Filed:

Dec 13, 2012

Appl. No.:

13/714038

Inventors:

William A. Thaw - San Mateo CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44, 705 30

Abstract:

Systems, devices, apparatuses, and methods for conducting a transaction in which a consumer purchases a product or a service by providing payment to a merchant whom is not the provider of the product or service. The invention permits a consumer to present cash or a payment device (such as a credit card or debit card) to a merchant, where that merchant may be an element of a load network or payment processing network. In a typical load network transaction, the merchant would accept the cash or payment device from the consumer and use the funds provided to “load” or recharge an account of the consumer. However, instead of this use of the network, embodiments of the invention operate to allow the consumer to provide the source of payment to the merchant for a product or service offered by a third party which is accessed by the consumer using a consumer token.

US Patent:

20050177510, Aug 11, 2005

Filed:

Feb 8, 2005

Appl. No.:

11/055670

Inventors:

Nathan Hilt - San Mateo CA, US
William Thaw - South San Francisco CA, US
Laura Cuda - San Francisco CA, US

Assignee:

Visa International Service Association, A Delaware Corporation - Foster City CA

International Classification:

G06F017/60

US Classification:

705040000, 705042000

Abstract:

Transferring funds from a payment originator (or payor) to a payment beneficiary (or payee) pushes the funds directly to a beneficiary's bank. The beneficiary's bank is not required to actively pull funds into the beneficiary's account. An originator can use a publicly known beneficiary indicator to direct payment to the beneficiary. The publicly known beneficiary indicator can be publicly used without exposing a beneficiary account to unauthorized debits or fraud since it can only be used to make credits to the beneficiary account, e.g. a deposit-only account. A pre-settlement conversation is used between the two banks to verify and evaluate information about an upcoming transfer of funds to determine whether to accept the funds transfer. The messages in the pre-settlement conversation contain information about the transaction.

US Patent:

20080183622, Jul 31, 2008

Filed:

Mar 1, 2007

Appl. No.:

11/713307

Inventors:

Phil Dixon - San Diego CA, US
Ayman Hammad - Pleasanton CA, US
William Alexander Thaw - South San Francisco CA, US
Christian Aabye - Foster City CA, US

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.

US Patent:

20110166995, Jul 7, 2011

Filed:

Nov 11, 2010

Appl. No.:

12/944057

Inventors:

Zack Fuerstenberg - Toronto, CA
Oleg Makhotin - Mississauga, CA
William Alexander Thaw - San Mateo CA, US

International Classification:

G06Q 40/00
G06Q 50/00

US Classification:

705 40, 235382

Abstract:

One embodiment of the invention is directed to a system comprising a database and a server computer coupled to the database, wherein the server computer comprises a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising: receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio. Another embodiment of the invention is directed to a method, the method comprising receiving transit transaction data, determining a hotel based on the transit transaction data, and sending the transit transaction data to the hotel, wherein the hotel places a transit charge based on the transit transaction data onto a hotel folio

US Patent:

20120223146, Sep 6, 2012

Filed:

Mar 5, 2012

Appl. No.:

13/412422

Inventors:

Sonia Reed - Danville CA, US
Kenneth M. Sippola - San Francisco CA, US
William Thaw - San Mateo CA, US
Mustafa Top - San Ramon CA, US
William B. Bedwell - , US
Steven Crouch-Baker - Palo Alto CA, US
Francis Louis Tanzella - San Carlos CA, US
Esperanza Alvarez - Menlo Park CA, US
John Stephens Stotts - Santa Clara CA, US

International Classification:

G06K 19/02
B05D 5/12
G06K 19/06

US Classification:

235488, 427123

Abstract:

Embodiments of the invention relate to payment cards and methods for making payment cards. In one embodiment, a card comprises a first layer and a second layer adjacent to the first layer. The second layer comprises a plurality of particles comprising metal, and the plurality of particles comprise at least about 15 volume % of the second layer. In another embodiment, a mixture is prepared comprising polymer and a plurality of particles comprising metal. The plurality of particles comprise at least about 15 volume % of the mixture. The mixture is pressed and an outer layer is applied. The mixture and outer layer are then cut to form the card.

US Patent:

20130046588, Feb 21, 2013

Filed:

Oct 24, 2012

Appl. No.:

13/658935

Inventors:

Oleg Makhotin - San Mateo CA, US
Trudy Hill - Foster City CA, US
Erick Wong - Menlo Park CA, US
Oleg Makarenko - Moscow, RU
Hao Ngo - San Jose CA, US
Christian Aabye - Foster City CA, US
William Alexander Thaw - San Mateo CA, US

International Classification:

G06Q 20/32
G06Q 30/02
G06Q 20/16
G06Q 50/30

US Classification:

705 13, 705 41, 705 1427

Abstract:

An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application.