Peter R Hill

Title: Innovations by Peter R. Hill

Introduction

Peter R. Hill is an accomplished inventor based in Montecito, CA (US). He has made significant contributions to the field of payment authentication, holding a total of 3 patents. His work focuses on enhancing the security of online transactions, ensuring that cardholders can authenticate their identities effectively.

Latest Patents

Peter's latest patents include an "Account authentication service with chip card" and an "Online payer authentication service." Both inventions aim to authenticate the identity of a payer during online transactions. The authentication service allows a card issuer to verify a cardholder's identity using various methods, including passwords. The system requires only the issuing financial institution to hold a certificate. One embodiment of his invention involves querying an access control server to check if a cardholder is enrolled in the service, requesting a password, verifying it, and notifying the merchant of the cardholder's authenticity. Additionally, both inventions utilize a chip card and the authentication service to independently generate cryptograms that must match for verification.

Career Highlights

Peter R. Hill is currently associated with Visa International Service Association, where he continues to innovate in the field of payment security. His work has been instrumental in shaping the way online transactions are authenticated, making them safer for consumers and merchants alike.

Collaborations

Peter has collaborated with notable colleagues, including Kevin D. Weller and Stephen W. Ryan. Their combined expertise has contributed to the development of advanced payment authentication technologies.

Conclusion

Peter R. Hill's contributions to payment authentication technology have significantly improved the security of online transactions. His innovative patents reflect a commitment to enhancing user safety in the digital payment landscape.