Luba Goldberg

Title: Luba Goldberg: Innovator in Identity Verification and Account Linking

Introduction

Luba Goldberg is a prominent inventor based in Foster City, CA (US). She has made significant contributions to the fields of identity verification and account linking, holding a total of 7 patents. Her work has been instrumental in enhancing security and efficiency in digital transactions.

Latest Patents

Luba's latest patents include a "System and method for identity verification." This invention discloses systems and methods for verifying a user's identity during interactions with resource providers. The embodiments enable the use of an authorization request message to inquire about an identity attribute, such as age, during user interactions. An authorizing entity or processing entity provides an answer within an authorization response message, which may determine if the consumer meets a minimum age requirement.

Another notable patent is the "System, method, and computer program product for linking accounts across systems." This invention provides computer-implemented methods for linking accounts, which include receiving an authorization request message with transaction data and a primary account number (PAN). The process involves identifying a token corresponding to the PAN and transmitting a request message to an employer system associated with at least one employer institution. The methods also include adjusting parameters of the payment transaction based on transaction adjustment data received from the employer system.

Career Highlights

Luba Goldberg is currently employed at Visa International Service Association, where she continues to innovate in the field of financial technology. Her work focuses on improving user experience and security in payment transactions.

Collaborations

Luba collaborates with notable colleagues, including Neil Mumm and Jeffrey Moore, who contribute to her projects and innovations.

Conclusion

Luba Goldberg's contributions to identity verification and account linking have made a significant impact in the technology sector. Her innovative patents reflect her commitment to enhancing security and efficiency in digital transactions.