Patents by Inventor Edmar Soriano
Edmar Soriano 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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Patent number: 11928654Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.Type: GrantFiled: December 29, 2020Date of Patent: March 12, 2024Assignee: Visa International Service AssociationInventors: Edmar Soriano, Wesley Marangu, Peter Rhee
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Patent number: 11922451Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: GrantFiled: February 28, 2023Date of Patent: March 5, 2024Assignee: Visa International Service AssociationInventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Publication number: 20230206273Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: ApplicationFiled: February 28, 2023Publication date: June 29, 2023Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Patent number: 11620670Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: GrantFiled: April 28, 2022Date of Patent: April 4, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Patent number: 11481796Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: GrantFiled: August 28, 2018Date of Patent: October 25, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Publication number: 20220253886Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: ApplicationFiled: April 28, 2022Publication date: August 11, 2022Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Publication number: 20210182896Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.Type: ApplicationFiled: August 28, 2018Publication date: June 17, 2021Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
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Publication number: 20210117941Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.Type: ApplicationFiled: December 29, 2020Publication date: April 22, 2021Inventors: Edmar Soriano, Wesley Marangu, Peter Rhee
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Patent number: 10977659Abstract: A systems of servers and algorithms allows merchants to refund value, for example, for refunds on returned goods or for other customer satisfaction reasons. The system receives the request for credit from a merchant refund session as well as a target financial instrument associated with the customer receiving the credit. The system then creates a specialized monitor for the customer's transactions to identify transactions made with that merchant and applies the previously credited funds for purchases made at the merchant. These credits may be made in real time at the register during a purchase or via a statement credit. The credit may also be applied to partner brands associated with the merchant by expanding the scope of the monitor.Type: GrantFiled: December 22, 2017Date of Patent: April 13, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Peter Rhee, Edmar Soriano, Alexander Campbell
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Patent number: 10956927Abstract: A system of servers and algorithms allows merchants to award value to a customer when certain criteria have been met, such as buy $100 worth of clothing and get a $20 credit toward a future purchase. Unlike a gift card, the funding for the award is held by the merchant until the award is used, at which time the award funds are transferred to the user's designated account, such as an open loop credit or debit card.Type: GrantFiled: December 22, 2017Date of Patent: March 23, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Peter Rhee, Edmar Soriano, Alexander Campbell
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Patent number: 10915876Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.Type: GrantFiled: December 22, 2017Date of Patent: February 9, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Edmar Soriano, Wesley Marangu, Peter Rhee
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Publication number: 20190197577Abstract: A system of servers and algorithms allows merchants to award value to a customer when certain criteria have been met, such as buy $100 worth of clothing and get a $20 credit toward a future purchase. Unlike a gift card, the funding for the award is held by the merchant until the award is used, at which time the award funds are transferred to the user's designated account, such as an open loop credit or debit card.Type: ApplicationFiled: December 22, 2017Publication date: June 27, 2019Inventors: Peter Rhee, Edmar Soriano, Alexander Campbell
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Publication number: 20190197541Abstract: A systems of servers and algorithms allows merchants to refund value, for example, for refunds on returned goods or for other customer satisfaction reasons. The system receives the request for credit from a merchant refund session as well as a target financial instrument associated with the customer receiving the credit. The system then creates a specialized monitor for the customer's transactions to identify transactions made with that merchant and applies the previously credited funds for purchases made at the merchant. These credits may be made in real time at the register during a purchase or via a statement credit. The credit may also be applied to partner brands associated with the merchant by expanding the scope of the monitor.Type: ApplicationFiled: December 22, 2017Publication date: June 27, 2019Inventors: Peter Rhee, Edmar Soriano, Alexander Campbell
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Publication number: 20190197521Abstract: A system of servers and algorithms allows merchants to receive value on behalf of a customer as a gift from a third party or for the merchant to proactively award value to the customer. The system receives an indication of credit sponsored by the merchant for a personal account number (PAN) of the customer. The system then creates a specialized monitor for the customer's transactions to identify transactions meeting certain criteria, including merchant, and applies the credited funds for the purchases. These credits may be made in real time at the register during a purchase or via a statement credit when the customer's bill is processed. The scope of the monitoring process may be expanded to partner brands or co-marketing partners. As the funds are applied, the system generates a settlement message to transfer funds from the merchant to an issuer associated with the PAN or other clearinghouse.Type: ApplicationFiled: December 22, 2017Publication date: June 27, 2019Inventors: Peter Rhee, Edmar Soriano, Alexander Campbell, Wesley Kimathi Marangu
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Publication number: 20190197504Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.Type: ApplicationFiled: December 22, 2017Publication date: June 27, 2019Inventors: Edmar Soriano, Wesley Marangu, Peter Rhee