Patents by Inventor Julie Delker

Julie Delker 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).

  • Demand deposit account payment system
    Patent number: 10915898
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Grant
    Filed: December 14, 2018
    Date of Patent: February 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM
    Publication number: 20190122207
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Application
    Filed: December 14, 2018
    Publication date: April 25, 2019
    Applicant: MASTERCARD INTERNATIONAL, Inc.
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • Demand deposit account payment system
    Patent number: 10210514
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Grant
    Filed: June 6, 2014
    Date of Patent: February 19, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM
    Publication number: 20150081536
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Application
    Filed: June 6, 2014
    Publication date: March 19, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • Demand deposit account payment system
    Patent number: 8751381
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Grant
    Filed: February 23, 2012
    Date of Patent: June 10, 2014
    Assignee: Mastercard International Incorporated
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
  • DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM
    Publication number: 20120215688
    Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.
    Type: Application
    Filed: February 23, 2012
    Publication date: August 23, 2012
    Applicant: MASTERCARD INTERNATIONAL, INC.
    Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill