Patents by Inventor Lloyd Cato

Lloyd Cato 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).

  • Direct connection systems and methods
    Patent number: 11017393
    Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Grant
    Filed: April 20, 2018
    Date of Patent: May 25, 2021
    Assignee: Visa International Service Association
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeffrey Kusheba
  • DIRECT CONNECTION SYSTEMS AND METHODS
    Publication number: 20180253726
    Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Application
    Filed: April 20, 2018
    Publication date: September 6, 2018
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • Direct connection systems and methods
    Patent number: 9978063
    Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Grant
    Filed: September 24, 2014
    Date of Patent: May 22, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • DIRECT CONNECTION SYSTEMS AND METHODS
    Publication number: 20150012346
    Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Application
    Filed: September 24, 2014
    Publication date: January 8, 2015
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • Direct connection systems and methods
    Patent number: 8924297
    Abstract: Embodiment of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Grant
    Filed: February 24, 2012
    Date of Patent: December 30, 2014
    Assignee: Visa International Service Association
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • DIRECT CONNECTION SYSTEMS AND METHODS
    Publication number: 20120221468
    Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.
    Type: Application
    Filed: February 24, 2012
    Publication date: August 30, 2012
    Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
  • Anti-chew guard for spa covers
    Publication number: 20030037370
    Abstract: An Anti-chew Guard for Spa Covers is disclosed. The cover is made from a durable material that is attachable to the edges of a conventional spa cover to prevent an animal from chewing the edges. The guard is available as a retrofit add-on to existing spa covers, as well as being incorporated between the core and sheath of a new cover (i.e. integrated into the cover). If additional protection is desired, the guard might also be electrified with a low-voltage current to startle an animal attempting to chew the cover.
    Type: Application
    Filed: August 21, 2001
    Publication date: February 27, 2003
    Inventor: Lloyd Cato