Patents by Inventor Leigh Amaro
Leigh Amaro 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: 11887093Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: April 9, 2021Date of Patent: January 30, 2024Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Publication number: 20210295297Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: April 9, 2021Publication date: September 23, 2021Inventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Publication number: 20210233093Abstract: Provided is a method and computer program product for ranking and selecting triggers. The method includes displaying a user interface to a marketer user, determining a predicted effectiveness for each trigger of a set of triggers associated with at least one offer based at least partially on a likelihood of a plurality of users performing transactions satisfying conditions associated with each trigger of the set of triggers, generating a ranked set of triggers by ranking each trigger of the set of triggers according to the predicted effectiveness of each respective trigger of the set of triggers, displaying the ranked set of triggers for the selection of at least one trigger, and in response to the selection of the at least one trigger by the marketer user from the user interface, generating at least one trigger record from the at least one trigger.Type: ApplicationFiled: April 12, 2021Publication date: July 29, 2021Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 11004052Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: August 20, 2019Date of Patent: May 11, 2021Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Leigh Amaro, Meara Day
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Patent number: 10977666Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: April 11, 2018Date of Patent: April 13, 2021Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 10607244Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.Type: GrantFiled: February 26, 2018Date of Patent: March 31, 2020Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, Michelle Eng Winters, Leigh Amaro
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Publication number: 20190370773Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: August 20, 2019Publication date: December 5, 2019Inventors: Diane C. Salmon, Leigh Amaro, Meara Day
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Patent number: 10438299Abstract: A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals.Type: GrantFiled: March 14, 2012Date of Patent: October 8, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Leigh Amaro, Parag Ladhawala
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Patent number: 10430774Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: June 23, 2017Date of Patent: October 1, 2019Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Patent number: 10339554Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: March 16, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20180247319Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: ApplicationFiled: April 11, 2018Publication date: August 30, 2018Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Publication number: 20180189806Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.Type: ApplicationFiled: February 26, 2018Publication date: July 5, 2018Inventors: Edward W. Fordyce, Michelle Eng Winters, Leigh Amaro
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Patent number: 9990643Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: GrantFiled: April 29, 2014Date of Patent: June 5, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Patent number: 9972021Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: August 4, 2011Date of Patent: May 15, 2018Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 9947020Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.Type: GrantFiled: May 1, 2014Date of Patent: April 17, 2018Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Leigh Amaro
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Publication number: 20170293907Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: June 23, 2017Publication date: October 12, 2017Inventors: Diane C. Salmon, Meara Day Dey, Leigh Amaro
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Patent number: 9721238Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: February 11, 2010Date of Patent: August 1, 2017Assignee: VISA U.S.A. INC.Inventors: Diane Salmon, Meara Day Dey, Leigh Amaro
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Patent number: 9679299Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: GrantFiled: September 2, 2011Date of Patent: June 13, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Publication number: 20160217446Abstract: A system including a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.Type: ApplicationFiled: April 5, 2016Publication date: July 28, 2016Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas
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Publication number: 20160196572Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: ApplicationFiled: March 16, 2016Publication date: July 7, 2016Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston