Rafael T Perez

Title: Innovations by Rafael T. Perez

Introduction

Rafael T. Perez is an accomplished inventor based in Glendale, AZ. He has made significant contributions to the field of financial technology, holding two patents that enhance security and efficiency in electronic transactions. His work is particularly relevant in today's digital age, where safeguarding financial information is paramount.

Latest Patents

One of Rafael's latest patents is titled "System and method for preventing unauthorized access to financial accounts." This invention provides a method and system designed to prevent unauthorized access to financial accounts by creating and storing a global external number that corresponds to a funding account number. This innovative approach ensures that even if a vendor system is compromised, the funding account numbers remain secure, as they are not stored within the vendor system.

Another notable patent is the "Message delivery delegate system and method." This invention significantly improves electronic transaction reporting and processing by offering advance asynchronous confirmation of a transaction to consumers. It utilizes a proxy system to process transactions through to completion or failure, incorporating persistent retry logic and exception processing to enhance reliability.

Career Highlights

Rafael T. Perez is currently employed at American Express Travel Related Services Company, Inc. His role at this prestigious financial services company allows him to apply his innovative ideas and contribute to the development of secure financial solutions. His expertise in financial technology has positioned him as a valuable asset within the organization.

Collaborations

Throughout his career, Rafael has collaborated with notable colleagues, including John Fife and Lawrence Stanton Hoffman. These partnerships have fostered an environment of innovation and creativity, leading to the development of groundbreaking solutions in the financial sector.

Conclusion

Rafael T. Perez is a distinguished inventor whose work in financial technology has made a significant impact on the industry. His patents reflect a commitment to enhancing security and efficiency in electronic transactions. Through his contributions, he continues to shape the future of financial services.