Patents by Inventor Kristofer Perez
Kristofer Perez 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).
-
Patent number: 9530151Abstract: A computer-implemented method for recommending a merchant based on transaction data is provided. The method is implemented using an analyzer computing device in communication with one or more memory devices. The method includes generating a profile indicating a stage of life of a cardholder, based at least in part on first transaction data stored in the one or more memory devices. The first transaction data is associated with one or more purchases made by the cardholder through a payment network. The method additionally includes retrieving, from the one or more memory devices, second transaction data associated with a plurality of sales from a first merchant, determining a transaction volume associated with the first merchant, and generating a recommendation for the cardholder to purchase goods from the first merchant, based at least in part on the determined transaction volume and the profile.Type: GrantFiled: November 26, 2014Date of Patent: December 27, 2016Assignee: MasterCard International IncorporatedInventors: Pedro Chavarria, Kristofer Perez
-
Patent number: 9454768Abstract: A computer-implemented method for estimating a price of a candidate trip based on transaction data is provided. The method includes generating a profile associated with a first cardholder, based at least in part on stored first transaction data associated with one or more purchases made by the first cardholder through a payment network. The profile indicates a spending trend of the first cardholder. The method additionally includes determining a price paid by at least a second cardholder for a reference trip, based at least in part on second transaction data stored in one or more memory devices. The second transaction data is associated with purchases made by the second cardholder through the payment network during the reference trip. Additionally, the method includes determining an estimated price for the candidate trip for the first cardholder by adjusting the price paid based at least in part on the spending trend of the first cardholder.Type: GrantFiled: November 26, 2014Date of Patent: September 27, 2016Assignee: MasterCard International IncorporatedInventors: Pedro Chavarria, Kristofer Perez
-
Publication number: 20160148257Abstract: A computer-implemented method for recommending vacation options based on historical vacation data is implemented by a vacation recommendation computer device.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
-
Publication number: 20160148258Abstract: A computer-implemented method for recommending a merchant based on transaction data is provided. The method is implemented using an analyzer computing device in communication with one or more memory devices. The method includes generating a profile indicating a stage of life of a cardholder, based at least in part on first transaction data stored in the one or more memory devices. The first transaction data is associated with one or more purchases made by the cardholder through a payment network. The method additionally includes retrieving, from the one or more memory devices, second transaction data associated with a plurality of sales from a first merchant, determining a transaction volume associated with the first merchant, and generating a recommendation for the cardholder to purchase goods from the first merchant, based at least in part on the determined transaction volume and the profile.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro Chavarria, Kristofer Perez
-
Publication number: 20160148256Abstract: A computer-implemented method for recommending vacation options based on transaction data is implemented by a vacation recommendation computer device in communication with a memory. The method includes receiving a plurality of transaction data associated with a cardholder, processing the plurality of transaction data to determine a plurality of cardholder vacation characteristics, receiving a plurality of vacation options including at least one vacation attribute, identifying at least one vacation option responsive to the cardholder by comparing the plurality of cardholder vacation characteristics to the at least one vacation attribute, and recommending the at least one identified vacation option to the cardholder.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
-
Publication number: 20160148296Abstract: A computer-implemented method for providing a profile associated with a cardholder to a suggestion computing device is provided. The method is implemented using a computing device in communication with one or more memory devices. The method includes retrieving, from the one or more memory devices, stored transaction data associated with a plurality of purchases made by a cardholder using a payment card and processed over a payment network. The method additionally includes determining at least one interest of the cardholder based on the stored transaction data, storing the at least one determined interest in a profile associated with the cardholder, and transmitting the cardholder profile to the suggestion computing device for use in suggesting one or more goods to the cardholder.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro Chavarria, Kristofer Perez
-
Publication number: 20160148234Abstract: A computer-implemented method for estimating a price of a candidate trip based on transaction data is provided. The method includes generating a profile associated with a first cardholder, based at least in part on stored first transaction data associated with one or more purchases made by the first cardholder through a payment network. The profile indicates a spending trend of the first cardholder. The method additionally includes determining a price paid by at least a second cardholder for a reference trip, based at least in part on second transaction data stored in one or more memory devices. The second transaction data is associated with purchases made by the second cardholder through the payment network during the reference trip. Additionally, the method includes determining an estimated price for the candidate trip for the first cardholder by adjusting the price paid based at least in part on the spending trend of the first cardholder.Type: ApplicationFiled: November 26, 2014Publication date: May 26, 2016Inventors: Pedro Chavarria, Kristofer Perez
-
Publication number: 20160027127Abstract: A computer-implemented method for inferring a taxpayer location from transaction data is implemented by a computing device coupled to a memory. The method includes receiving, by the computing device, a travel report request message including a payment card identifier associated with a taxpayer and a report date, retrieving, by the computing device, transaction data for a payment card associated with the payment card identifier and the report date, the transaction data including merchant location data associated with a merchant zip code, inferring a location of the taxpayer using the merchant location and the report date, comparing the inferred location with a plurality of tax zones stored in the memory to determine a specific tax zone of the plurality of tax zones associated with the inferred location of the taxpayer, and providing a travel report to the taxpayer, wherein the travel report includes the inferred location for the report date and the tax zone associated with the inferred location.Type: ApplicationFiled: July 28, 2014Publication date: January 28, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
-
Patent number: 9245277Abstract: A computer implemented method for categorizing neighborhoods based on cardholder transactions is provided. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, generating a list of cardholders based on the plurality of payment transactions, determining one or more life stage segments for each cardholder based on the plurality of payment transactions, determining one or more geographic regions based in part on the plurality of payment transactions where each geographic region contains a plurality of cardholders, determining a lifestyle category for at least one geographic region of the one or more geographic regions based on the one or more life stage segments of each of the cardholders associated with the corresponding geographic region, and providing a lifestyle report for the at least one geographic region.Type: GrantFiled: July 7, 2014Date of Patent: January 26, 2016Assignee: MasterCard International IncorporatedInventors: Pedro J. Chavarria, Kristofer Perez
-
Publication number: 20160005129Abstract: Transaction data is mined to obtain a health profile for at least one person who wishes to select a medical insurance plan. The transaction data includes at least one of payment card transaction data and electronic bill presentment and payment transaction data. A database of insurance information is accessed to obtain information on cost and coverage for at least two medical insurance plans available to the at least one person who wishes to select the medical insurance plan. An optimal one of the at least two medical insurance plans is selected for the person who wishes to select the medical insurance plan, based on the health profile and the information on cost and coverage for the at least two medical insurance plans.Type: ApplicationFiled: July 2, 2014Publication date: January 7, 2016Inventors: Pedro Chavarria, Kristofer Perez
-
Publication number: 20160005061Abstract: A computer implemented method for categorizing neighborhoods based on cardholder transactions is provided. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, generating a list of cardholders based on the plurality of payment transactions, determining one or more life stage segments for each cardholder based on the plurality of payment transactions, determining one or more geographic regions based in part on the plurality of payment transactions where each geographic region contains a plurality of cardholders, determining a lifestyle category for at least one geographic region of the one or more geographic regions based on the one or more life stage segments of each of the cardholders associated with the corresponding geographic region, and providing a lifestyle report for the at least one geographic region.Type: ApplicationFiled: July 7, 2014Publication date: January 7, 2016Inventors: Pedro J. Chavarria, Kristofer Perez
-
Publication number: 20150363785Abstract: A computer-based method for consumer authentication of payment card transactions using behavioral biometrics uses a computer device including a processor and a memory. The method includes identifying behavioral biometric profile data of an approved cardholder that is approved to use a payment card issued by an issuer. The method also includes receiving behavioral biometric sample data of a suspect consumer collected during a payment card transaction in which the suspect consumer presents the payment card for use. The method further includes comparing the behavioral biometric sample data of the suspect consumer to the behavioral biometric profile data of the approved cardholder. The method also includes computing an authentication value based at least in part on the comparing. The method further includes authenticating the suspect consumer as the approved cardholder based at least in part on the authentication value.Type: ApplicationFiled: June 12, 2014Publication date: December 17, 2015Inventors: Kristofer Perez, Pedro J. Chavarria
-
Publication number: 20150235217Abstract: A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network.Type: ApplicationFiled: February 18, 2014Publication date: August 20, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kristofer PEREZ, Pedro J. CHAVARRIA
-
Publication number: 20150198446Abstract: A system, method, and computer-readable storage medium configured to locate an automated teller machine (ATM) or indicate payment card acceptance by a vendor using augmented reality.Type: ApplicationFiled: January 15, 2014Publication date: July 16, 2015Applicant: Mastercard International IncorporatedInventors: Kristofer PEREZ, Pedro J. Chavarria
-
Publication number: 20150170182Abstract: A product identifier and cardholder identifier are received, specifying a product and cardholder. Computer database(s) are accessed to retrieve, based on the cardholder identifier, data pertaining to rewards card(s) owned by the cardholder. Reward parameter(s) are associated with each rewards card. The database(s) is accessed to identify, based on the product identifier, merchant identifiers corresponding to merchants offering the product and corresponding price data. At one or more computer processors, for each rewards card and each merchant, a first amount of rewards is computed, which is an amount of rewards that the cardholder will earn by completing a transaction for the product with said merchant using said rewards card, wherein the rewards amount is computed based on at least the reward parameters associated with said rewards card and the offer price corresponding to said merchant. The first rewards amounts corresponding to respective rewards cards and to respective merchants are displayed.Type: ApplicationFiled: December 13, 2013Publication date: June 18, 2015Applicant: MasterCard International IncorporatedInventors: Kristofer Perez, Pedro J. Chavarria, Michael Zhao
-
Publication number: 20150134438Abstract: An indication is received of a transaction between a cardholder and a merchant, wherein a card is used by the cardholder for the transaction, and the card is an instance of one of a plurality of card products available from respective ones of a plurality of card issuers. From a computer database that has stored therein a set of one or more reward parameters associated with each card product, a selected set of reward parameters associated with said one card product is retrieved. An amount and a merchant identifier are determined for the transaction. At one or more computer processors, an estimate of rewards earned due to the transaction is generated, wherein the estimate is generated prior to a clearance of the card transaction and is based on at least the amount and the retrieved set of reward parameters.Type: ApplicationFiled: November 13, 2013Publication date: May 14, 2015Applicant: MasterCard International IncorporatedInventors: Pedro J. Chavarria, Kristofer Perez
-
Publication number: 20150032621Abstract: A method for authenticating a user in a payment transaction using a computing device includes: storing location data entries, each entry including a geographic location of a mobile device and a time; receiving an authorization request for a payment transaction, the request including an account identifier, location identifier, and authorization time; identifying a specific data entry where the included time is within a predetermined period of time of the authorization time; when the location included in the specific data entry is indicative of the mobile device being not present at the location of the location identifier, transmitting a request to a computing device associated with the account identifier for action by a user to prove their identity; receiving, data conveying the action taken by the user; and authenticating the user based on the received data and authentication information associated with a payment account corresponding to the account identifier.Type: ApplicationFiled: July 24, 2013Publication date: January 29, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Anindeep Kar, Surya D. Bhattacharyya, Kristofer Perez, Gregory Williamson