Patents by Inventor David Richey
David Richey 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: 20220198451Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.Type: ApplicationFiled: March 11, 2022Publication date: June 23, 2022Inventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
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Patent number: 11301852Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.Type: GrantFiled: November 3, 2015Date of Patent: April 12, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
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Patent number: 10572880Abstract: When an account holder contacts the issuer of the account to dispute a transaction conducted with a merchant using the account, the issuer may request additional transaction details, such as purchased item level details, from the merchant via the merchant integrated dispute resolution platform. A real-time purchase inquiry sent to the merchant may request purchase information or transaction information (e.g. purchased item details, order information, order history, shipping and delivery information, etc.) associated with the transaction. The merchant may send a real-time response to the merchant integrated dispute resolution platform which may forward all or a portion of the received information to the issuer in real-time. The entire communication between the issuer, the merchant integrated dispute resolution platform and the merchant may be a sessionless (or stateless) communication, i.e. all communication among the parties may occur in a single session which may last 10 seconds or less.Type: GrantFiled: July 30, 2015Date of Patent: February 25, 2020Assignee: Visa International Service AssociationInventors: Richard Stopic, David Richey, Elizabeth Chaffin, Mark Woelfer, Stacey Jess
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Publication number: 20160300214Abstract: Embodiments of the invention are directed to transaction dispute resolution system that uses a liability model for resolving disputes. Disputed claims may be validated based on transaction information and according to predefined validation rules. A validated dispute claim may be processed according to a claim category of the dispute claim. An automated liability allocation process is used to process a dispute claim that requires little or no additional information whereas a collaboration process is used to process a dispute claim that requires additional information provided by parties of the claim. The automated liability allocation process may be based on dispute history information of the parties of the claim.Type: ApplicationFiled: April 7, 2016Publication date: October 13, 2016Inventors: Elizabeth Chaffin, David Richey, Richard Stopic, Stacey Jess
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Publication number: 20160125405Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.Type: ApplicationFiled: November 3, 2015Publication date: May 5, 2016Inventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
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Publication number: 20160034906Abstract: When an account holder contacts the issuer of the account to dispute a transaction conducted with a merchant using the account, the issuer may request additional transaction details, such as purchased item level details, from the merchant via the merchant integrated dispute resolution platform. A real-time purchase inquiry sent to the merchant may request purchase information or transaction information (e.g. purchased item details, order information, order history, shipping and delivery information, etc.) associated with the transaction. The merchant may send a real-time response to the merchant integrated dispute resolution platform which may forward all or a portion of the received information to the issuer in real-time. The entire communication between the issuer, the merchant integrated dispute resolution platform and the merchant may be a sessionless (or stateless) communication, i.e. all communication among the parties may occur in a single session which may last 10 seconds or less.Type: ApplicationFiled: July 30, 2015Publication date: February 4, 2016Inventors: Richard Stopic, David Richey, Elizabeth Chaffin, Mark Woelfer, Stacey Jess
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Publication number: 20140024462Abstract: Software at a MMO game website creates a team to perform a collaborative game task in the MMO game. Each player on the team is assigned from a queue of players who share one or more attributes. The collaborative game task is composed of a plurality of individual game tasks. Each player on a team is assigned an individual game task by the software. The software provides a game reward to a player after the player has satisfactorily completed less than all of the individual game task assigned to the player. The software determines that a team has satisfactorily completed the collaborative game task, according to game mechanics associated with the collaborative game task. Then the software provides a game reward to each player on the team.Type: ApplicationFiled: July 22, 2013Publication date: January 23, 2014Applicant: Zynga Inc.Inventors: Yi Qiang, Tatung Mei, John Osvald, David Richey, Cesario Julation, Kyle Sampson
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Publication number: 20110137707Abstract: A customer experience improvement system and method for the hospitality industry is disclosed. Embodiments of the present invention provide a system and method for entering customer experience issues into a computer system that maintains records in a database. The user is guided to enter information that allows for collaboration, and identification of a root cause. Solutions for the customer experience issues can then be developed. Report tools provide an overview of various types of issues.Type: ApplicationFiled: December 8, 2009Publication date: June 9, 2011Applicant: Richey International, Ltd.Inventors: William Winfield, David Richey
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Publication number: 20100169194Abstract: A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.Type: ApplicationFiled: December 9, 2009Publication date: July 1, 2010Inventors: David Richey, Marie King, Lisa Bernhard, David Van Horn
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Patent number: 7657441Abstract: A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.Type: GrantFiled: July 9, 2007Date of Patent: February 2, 2010Assignee: Visa U.S.A. Inc.Inventors: David Richey, Marie King, Lisa Bernhard, David Van Horn
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Patent number: 7356516Abstract: A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.Type: GrantFiled: June 13, 2002Date of Patent: April 8, 2008Assignee: Visa U.S.A. Inc.Inventors: David Richey, Marie King, Lisa Bernhard, David Van Horn
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Publication number: 20080059351Abstract: A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.Type: ApplicationFiled: July 9, 2007Publication date: March 6, 2008Inventors: David Richey, Marie King, Lisa Bernhard, David Van Horn
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Publication number: 20030233292Abstract: A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system.Type: ApplicationFiled: June 13, 2002Publication date: December 18, 2003Applicant: Visa U.S.A., Inc.Inventors: David Richey, Marie King, Lisa Bernhard, David Van Horn