Patents by Inventor Christopher Andrew GUINEY
Christopher Andrew GUINEY 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: 20190197510Abstract: A computer-implemented method for transferring reward points between mobile computing devices is implemented by a first mobile computing device. The method includes receiving a first reward points balance associated with a first reward points account, detecting a second mobile computing device associated with a second reward points account wherein the second reward points account has a second reward points balance, initiating a transfer request from the first mobile computing device to the second mobile computing device, and sending a transfer command to a rewards program computer system wherein the transfer command instructs the rewards program computer system to transfer the at least one reward point between the first reward points account and the second reward points account.Type: ApplicationFiled: December 26, 2017Publication date: June 27, 2019Inventors: Christopher Andrew Guiney, Saurabh Singh, Ramchandran Venkatesh, Hao Sun
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Patent number: 9852438Abstract: A computer-implemented method for transferring reward points between mobile computing devices is implemented by a first mobile computing device. The method includes receiving a first reward points balance associated with a first reward points account, detecting a second mobile computing device associated with a second reward points account wherein the second reward points account has a second reward points balance, initiating a transfer request from the first mobile computing device to the second mobile computing device, and sending a transfer command to a rewards program computer system wherein the transfer command instructs the rewards program computer system to transfer the at least one reward point between the first reward points account and the second reward points account.Type: GrantFiled: December 31, 2013Date of Patent: December 26, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher Andrew Guiney, Saurabh Singh, Ramchandran Venkatesh, Hao Sun
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Publication number: 20170293930Abstract: A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and validating a transaction account related to the identified specific account profile for eligibility of a rebate based on at least the included account balance and a cost value included in the real-time message.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
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Publication number: 20170293931Abstract: A method for determining rebate eligibility of an electronic transaction is described. The method includes identifying an account profile based on a received transaction message; generating a reward cost based on reward rules; and determining eligibility for reward usage by the transaction account related to the identified specific account profile based on a correspondence between a stored reward value and the generated reward cost.Type: ApplicationFiled: April 6, 2016Publication date: October 12, 2017Applicant: MasterCard International IncorporatedInventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
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Publication number: 20150186914Abstract: A computer-implemented method for transferring reward points between mobile computing devices is implemented by a first mobile computing device. The method includes receiving a first reward points balance associated with a first reward points account, detecting a second mobile computing device associated with a second reward points account wherein the second reward points account has a second reward points balance, initiating a transfer request from the first mobile computing device to the second mobile computing device, and sending a transfer command to a rewards program computer system wherein the transfer command instructs the rewards program computer system to transfer the at least one reward point between the first reward points account and the second reward points account.Type: ApplicationFiled: December 31, 2013Publication date: July 2, 2015Inventors: Christopher Andrew Guiney, Saurabh Singh, Ramchandran Venkatesh, Hao Sun
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Publication number: 20150112780Abstract: A method for initiating a rebate for a payment transaction funded using a reward account includes: storing account data entries, each entry including an account identifier and reward balance; receiving an authorization request for a transaction involving a merchant, the request including payment information and a transaction amount; calculating a transaction reward value based on the transaction amount and a conversion rule; identifying a reduction amount, wherein the amount is a lesser of the transaction reward value and the reward balance included in a data entry where the account identifier corresponds to the payment information; updating the reward balance included in the data entry based on the identified reduction amount; calculating a rebate amount based on the transaction reward value and reduction amount, and the conversion rule; and transmitting a rebate request for the rebate amount from an account of the merchant to an account corresponding to the payment information.Type: ApplicationFiled: October 21, 2013Publication date: April 23, 2015Applicant: MasterCard International IncorporatedInventors: Christopher Andrew GUINEY, Jensen James E. Pastrana
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Publication number: 20140278879Abstract: A method for determining the validity of an offer redemption includes: storing, in an algorithm database, at least one scoring algorithm, each algorithm associated with an offer identification; storing, in a consumer database, consumer profiles, each profile including a consumer identification and evaluation data; receiving transaction information for a financial transaction, the transaction including a consumer identifier, an offer identifier, and a redeemed offer; identifying a specific profile, wherein the consumer identification corresponds to the consumer identifier; identifying a specific algorithm, wherein the offer identification corresponds to the offer identifier; identifying a redemption validity score based on the redeemed offer and an application of the specific algorithm to the evaluation data of the specific profile; and transmitting the identified redemption validity score to an entity associated with the offer identifier.Type: ApplicationFiled: March 12, 2013Publication date: September 18, 2014Applicant: MasterCard International IncorporatedInventors: Andrea Christine GILMAN, Christopher Andrew Guiney, Lisa Yates
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Publication number: 20140257920Abstract: A method for distributing an offer to a consumer based on redemption history includes: storing consumer profiles, each including a consumer identifier and offer redemption data; receiving redeemed offers associated with a consumer identification, the offers associated with offer categories; identifying a specific profile, wherein the consumer identifier of the profile corresponds to the consumer identification; storing, in the offer redemption data of the specific profile, the redeemed offers; generating a behavioral profile for the specific profile based on the corresponding offer redemption data, wherein the behavioral profile includes a propensity to redeem an offer for each offer category; and transmitting an offer to a consumer associated with the specific profile, based on an offer category associated with the offer and the propensity to redeem an offer for that offer category associated with the consumer.Type: ApplicationFiled: March 11, 2013Publication date: September 11, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Andrea Christine Gilman, Christopher Andrew Guiney, Lisa Yates
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Publication number: 20140164119Abstract: A method for identifying a geographic location of a financial transaction includes: storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information; identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification; identifying, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification; transmitting, by a transmitting device, a reply to the authorization request; and transmitting, by the transmitting device, the geographic location included in the specific merchant data entry.Type: ApplicationFiled: December 6, 2012Publication date: June 12, 2014Applicant: MasterCard International IncorpotatedInventors: Sheila NARAYANAN, Richard David D'ERIZANS, Christopher Andrew GUINEY, Maurice David LISCIA, Andrew St. John WOODWARD
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Publication number: 20140081726Abstract: A system and method for processing an economic benefit between friends on a social network using a consumer identifier, payment card, and plurality of friend identifiers, each friend identifier including a consumer identifier corresponding to another consumer data entry, at least one challenge including a challenge identifier, task identification, threshold number of consumers and a reward; a task identifier and a required action. Upon an indication of completion of a task by the consumer and friends or indication based on performance of the corresponding required action, the consumer and friends can share in a reward.Type: ApplicationFiled: September 19, 2012Publication date: March 20, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATIONInventors: Alan COOKE, Adam Kenneth HOSP, Stephen WHITNEY, J. Chris WHEELER, Christopher Andrew GUINEY, Natalie SHATZMAN