Hing Seng Too

Title: The Innovative Contributions of Inventor Hing Seng Too

Introduction

Hing Seng Too is a notable inventor based in Peoria, AZ, USA, recognized for his contributions in the realm of payment authorization technologies. With four patents to his name, Too has developed innovations that enhance security and fraud mitigation in online transactions.

Latest Patents

Among his latest patents are critical advancements in transaction processing. His first patent, titled "Pseudo Authorization Messages," introduces a method where a consumer submits purchase information through a web client to a merchant server. This purchase information is channeled through a web acceleration server, which identifies enhanced authorization data. A pseudo authorization message is then created and transmitted to a transaction account issuer, which merges this message with an authorization request. This unique process allows for effective fraud analysis, ensuring secure transactions.

The second patent, "Systems and Methods for Enhanced Authorization Fraud Mitigation," closely mirrors the functionality of his first, further emphasizing the importance of protective measures in the credit and debit transaction landscape. This innovation continues to streamline the way transactions are verified and protected.

Career Highlights

Hing Seng Too is currently associated with American Express Travel Related Services Company, Inc., where he applies his expertise in transaction security. His role at this prominent financial services corporation has allowed him to develop solutions that contribute to safer online payment processing, benefiting consumers and merchants alike.

Collaborations

Throughout his career, Too has collaborated with talented professionals in his field, including notable coworkers such as Marcel Leyva and Houman Motaharian. These partnerships have resulted in a rich exchange of ideas, further propelling the innovations he has introduced.

Conclusion

Hing Seng Too stands out as a significant figure in the field of payment systems innovation. His patents not only address current challenges within transaction security and fraud mitigation but also pave the way for future advancements in the industry. As he continues to work alongside esteemed colleagues at American Express, his contributions will undoubtedly leave a lasting impact on the technology of financial transactions.