Stephen W Ryan

Title: The Innovations of Stephen W. Ryan

Introduction

Stephen W. Ryan is an accomplished inventor based in Half Moon Bay, California. He has made significant contributions to the field of payment authentication technology. With a total of 3 patents to his name, Ryan has been instrumental in enhancing the security of online transactions.

Latest Patents

Ryan's latest patents focus on account authentication services that utilize chip cards. One of his notable inventions is a payment authentication service that verifies the identity of a payer during online transactions. This service allows card issuers to authenticate cardholders using various methods, including passwords. The system is designed so that only the issuing financial institution requires a certificate.

In one embodiment, the service queries an access control server to check if a cardholder is enrolled in the payment authentication service. It then requests a password from the cardholder, verifies it, and informs the merchant of the cardholder's authenticity. Additionally, the invention includes a mechanism where both the chip card and the authentication service independently generate cryptograms that must match for verification.

Career Highlights

Stephen W. Ryan is currently employed at Visa International Service Association, where he continues to innovate in the field of payment security. His work has been pivotal in shaping the way online transactions are authenticated, ensuring a safer experience for users.

Collaborations

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

Conclusion

Stephen W. Ryan'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.