Patents by Inventor Carol Jackie Lucia Specogna

Carol Jackie Lucia Specogna 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).

  • Publication number: 20210272079
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
    Type: Application
    Filed: May 20, 2021
    Publication date: September 2, 2021
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Patent number: 11042850
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: June 22, 2021
    Assignee: Fiserv, Inc.
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20160189123
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
    Type: Application
    Filed: December 31, 2014
    Publication date: June 30, 2016
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20150332269
    Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
    Type: Application
    Filed: May 22, 2015
    Publication date: November 19, 2015
    Inventors: Carol Jackie Lucia Specogna, David Michael Keenan, Kevin Gilbert, Annmarie D. Hart, Roger W. Applewhite
  • Publication number: 20150178709
    Abstract: Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
    Type: Application
    Filed: March 5, 2015
    Publication date: June 25, 2015
    Inventors: David Michael Keenan, Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20150095239
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
    Type: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: FISERV , INC.
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20150095240
    Abstract: Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
    Type: Application
    Filed: September 30, 2013
    Publication date: April 2, 2015
    Applicant: FISERV, INC.
    Inventors: Carol Jackie Lucia Specogna, Kevin Gilbert
  • Publication number: 20140258120
    Abstract: Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
    Type: Application
    Filed: March 8, 2013
    Publication date: September 11, 2014
    Applicant: FISERV, INC.
    Inventors: Carol Jackie Lucia Specogna, David Michael Keenan, Kevin Gilbert, Mimi Hart, Roger Applewhite
  • Publication number: 20140244485
    Abstract: Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
    Type: Application
    Filed: February 28, 2013
    Publication date: August 28, 2014
    Applicant: FISERV, INC.
    Inventors: David Michael Keenan, Carol Jackie Lucia Specogna, Kevin Gilbert