Patents by Inventor Barbara Elizabeth Patterson
Barbara Elizabeth Patterson has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20230351361Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: July 11, 2023Publication date: November 2, 2023Applicant: Visa International Service AssociationInventors: Aparna Krishnan GIRISH, Barbara Elizabeth PATTERSON
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Patent number: 11741453Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: GrantFiled: August 25, 2021Date of Patent: August 29, 2023Assignee: Visa International Service AssociationInventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Publication number: 20230222508Abstract: A method of processing a deferred authorization transaction including: receiving at least one transaction processing request associated with a transaction, where the transaction is initiated using a portable financial device associated with a user, the at least one transaction processing request including a deferred authorization indicator; determining that the at least one transaction processing request includes the deferred authorization indicator; determining that the transaction is a deferred authorization transaction based on determining that the at least one transaction processing request includes the deferred authorization indicator; and processing the transaction using at least one deferred authorization transaction rule in response to determining that the transaction is a deferred authorization transaction. A system for processing a deferred authorization transaction is also disclosed.Type: ApplicationFiled: January 5, 2023Publication date: July 13, 2023Inventors: Robert Franklin Alandt, Barbara Elizabeth Patterson, Anjana Neera Surin
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Publication number: 20210383353Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: August 25, 2021Publication date: December 9, 2021Inventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Patent number: 11144906Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: GrantFiled: February 20, 2018Date of Patent: October 12, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Patent number: 11049125Abstract: A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.Type: GrantFiled: July 11, 2019Date of Patent: June 29, 2021Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Barbara Elizabeth Patterson
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Publication number: 20210117956Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: February 20, 2018Publication date: April 22, 2021Inventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Publication number: 20190333089Abstract: A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.Type: ApplicationFiled: July 11, 2019Publication date: October 31, 2019Inventors: Edward W. Fordyce, III, Barbara Elizabeth Patterson
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Patent number: 10395264Abstract: A payment processing system enables a consumer to purchase items at a merchant using an account provided by an issuer. Financial data related to payment for the purchase are sent by the merchant through an acquirer and a transaction expeditor to the issuer. The issuer responds by determining whether to authorize the purchase and if authorized, sends a notification back to the merchant. The acquirer also issues non-financial data that is conveyed by the transaction expeditor to a recipient connected to the payment processing system. The financial and non-financial data for the same transaction may be sent in separate messages and a technique is provided for matching those messages at the recipient. Different types of non-financial data can be conveyed, such as identification of the items being purchased which the recipient uses to determine whether the consumer should receive a reward under a product purchase incentive program.Type: GrantFiled: April 28, 2008Date of Patent: August 27, 2019Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Barbara Elizabeth Patterson
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Publication number: 20190156337Abstract: A method of processing a deferred authorization transaction including: receiving at least one transaction processing request associated with a transaction, where the transaction is initiated using a portable financial device associated with a user, the at least one transaction processing request including a deferred authorization indicator; determining that the at least one transaction processing request includes the deferred authorization indicator; determining that the transaction is a deferred authorization transaction based on determining that the at least one transaction processing request includes the deferred authorization indicator; and processing the transaction using at least one deferred authorization transaction rule in response to determining that the transaction is a deferred authorization transaction. A system for processing a deferred authorization transaction is also disclosed.Type: ApplicationFiled: November 17, 2017Publication date: May 23, 2019Inventors: Robert Franklin Alandt, Barbara Elizabeth Patterson, Anjana Neera Surin
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Publication number: 20170300909Abstract: Systems and methods may facilitate payment transactions between user computer systems and merchant computer systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On execution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary account holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment network system, create payment payload data from data returned by the payment network system, and forward the payload data to the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer system.Type: ApplicationFiled: April 17, 2017Publication date: October 19, 2017Inventors: Parveen Bansal, Barbara Elizabeth Patterson, Aparna Krishnan Girish
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Patent number: 9530131Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: GrantFiled: October 7, 2015Date of Patent: December 27, 2016Assignee: VISA U.S.A. INC.Inventor: Barbara Elizabeth Patterson
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Publication number: 20160027012Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: ApplicationFiled: October 7, 2015Publication date: January 28, 2016Inventor: Barbara Elizabeth Patterson
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Patent number: 9183555Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: GrantFiled: September 6, 2013Date of Patent: November 10, 2015Assignee: VISA U.S.A. INC.Inventor: Barbara Elizabeth Patterson
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Patent number: 8727211Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.Type: GrantFiled: October 18, 2012Date of Patent: May 20, 2014Assignee: Visa U.S.A. Inc.Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti
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Publication number: 20140081862Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: ApplicationFiled: September 6, 2013Publication date: March 20, 2014Inventor: Barbara Elizabeth Patterson
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Patent number: 8660862Abstract: Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.Type: GrantFiled: May 30, 2007Date of Patent: February 25, 2014Assignee: Visa U.S.A. Inc.Inventors: Barbara Elizabeth Patterson, Stacy Pourfallah, Janet Pruitt, Loc Nguyen, Nigel Smith
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Patent number: 8554678Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: GrantFiled: June 11, 2012Date of Patent: October 8, 2013Inventor: Barbara Elizabeth Patterson
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Publication number: 20120316944Abstract: A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment processing system where the payment amount is unknown until after the merchant receives the authorization response that includes the GUID. After receiving the authorization response and when the payment amount is known, the merchant forms a transmission that has information for delivery to an issuer of the account. This information is sufficient for the issuer to forward the payment amount from the account to pay the merchant for the transaction. While including the GUID and the payment amount, the information does not include an identifier of the account.Type: ApplicationFiled: June 11, 2012Publication date: December 13, 2012Inventor: Barbara Elizabeth Patterson
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Patent number: 8313021Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.Type: GrantFiled: February 4, 2008Date of Patent: November 20, 2012Assignee: Visa U.S.A.Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti