Patents by Inventor Matthew Sterling
Matthew Sterling 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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Publication number: 20240169386Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: ApplicationFiled: January 30, 2024Publication date: May 23, 2024Inventors: Brent Alan BADGER, Jacob Matthew STERLING
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Patent number: 11989750Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: GrantFiled: September 30, 2021Date of Patent: May 21, 2024Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
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Publication number: 20240104596Abstract: Systems and methods are disclosed for providing an account holder with an incentive-consent matrix at a point-of-sale device of a merchant. The account holder can provide consent to store transaction related data and obtain an incentive in exchange. The incentive can be a coupon or other offering associated with the merchant. Varying levels of consent can be offered, with each level associated with an incentive having a different relative value. The transaction data can subsequently be provided to a recipient in accordance with the consent received from the account holder.Type: ApplicationFiled: December 1, 2023Publication date: March 28, 2024Inventors: Jacob Matthew STERLING, Scott Wayne DeANGELO, Dennis A. KETTLER, Balaji Janakiraman IYER, Trevor Alan BASS
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Publication number: 20240107258Abstract: Systems and methods for rendering spatial audio in accordance with embodiments of the invention are illustrated. One embodiment includes a spatial audio system, including a primary network connected speaker, including a plurality of sets of drivers, where each set of drivers is oriented in a different direction, a processor system, memory containing an audio player application, wherein the audio player application configures the processor system to obtain an audio source stream from an audio source via the network interface, spatially encode the audio source, decode the spatially encoded audio source to obtain driver inputs for the individual drivers in the plurality of sets of drivers, where the driver inputs cause the drivers to generate directional audio.Type: ApplicationFiled: June 22, 2023Publication date: March 28, 2024Applicant: SYNG, Inc.Inventors: Christopher John Stringer, Afrooz Family, Fabian Renn-Giles, David Narajowski, Joshua Phillip Song, John Moreland, Pooja Patel, Pere Aizcorbe Arrocha, Nicholas Knudson, Nathan Hoyt, Marc Carino, Mark Rakes, Ryan Mihelich, Matthew Brown, Bas Ording, Robert Tilton, Jay Sterling Coggin, Lasse Vetter, Christos Kyriakakis, Matthew Robbetts, Matthias Kronlachner, Yuan-Yi Fan
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Patent number: 11928701Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: GrantFiled: October 23, 2020Date of Patent: March 12, 2024Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
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Patent number: 11875373Abstract: Systems and methods are disclosed for providing an account holder with an incentive-consent matrix at a point-of-sale device of a merchant. The account holder can provide consent to store transaction related data and obtain an incentive in exchange. The incentive out be a coupon or other offering associated with the merchant. Varying levels of consent can be offered, with each level associated with an incentive having a different relative value. The transaction data can subsequently be provided to a recipient in accordance with the consent received from the account holder.Type: GrantFiled: July 17, 2020Date of Patent: January 16, 2024Assignee: Worldpay, LLCInventors: Jacob Matthew Sterling, Scott Wayne DeAngelo, Dennis A. Kettler, Balaji Janakiraman Iyer, Trevor Alan Bass
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Publication number: 20230102124Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: ApplicationFiled: November 3, 2022Publication date: March 30, 2023Inventors: Scott Wayne DeANGELO, Brent Alan BADGER, Jacob Matthew STERLING, Dennis A. KETTLER
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Publication number: 20230013799Abstract: Technologies for determining spending behavior of a consumer in a category of interest are disclosed. The spending behavior is based on tracking payment vehicle transactions across a number of merchants. Temporal and geographic parameters are considered to determine if a payment vehicle transaction falls within the category of interest. Based on the payment vehicle transactions and the temporal and geographic parameters, Share of Wallet (SOW) can be determined.Type: ApplicationFiled: September 27, 2022Publication date: January 19, 2023Inventors: Scott Wayne DeAngelo, Dennis A. Kettler, Jacob Matthew Sterling
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Publication number: 20230016185Abstract: Systems and methods are disclosed for providing an account holder with an incentive-consent matrix at a point-of-sale device of a merchant. The account holder can provide consent to store transaction related data and obtain an incentive in exchange. The incentive out be a coupon or other offering associated with the merchant. Varying levels of consent can be offered, with each level associated with an incentive having a different relative value. The transaction data can subsequently be provided to a recipient in accordance with the consent received from the account holder.Type: ApplicationFiled: September 27, 2022Publication date: January 19, 2023Inventors: Jacob Matthew STERLING, Scott Wayne DeANGELO, Dennis A. KETTLER, Balaji Janakiraman IYER, Trevor Alan BASS
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Publication number: 20220360322Abstract: A Data Delivery Service (DDS) is described, which is a service in a multi-tenant environment that transmits satellite data between a satellite antenna and a user instance. The DDS transports the antenna data to a different region, which allows a user to reuse their infrastructure for multiple antenna sites, thereby, reducing their infrastructure footprint and costs. Gateway instances can be launched at scheduled times in different regions and a secure communication channel can be established between the gateway instances to establish inter-region communication.Type: ApplicationFiled: July 25, 2022Publication date: November 10, 2022Applicant: Amazon Technologies, Inc.Inventors: Nathan Burns, Kevin Cheek, Michelle Lynn Dobbs, Matthew Sterling Leese
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Patent number: 11405098Abstract: A Data Delivery Service (DDS) is described, which is a service in a multi-tenant environment that transmits satellite data between a satellite antenna and a user instance. The DDS transports the antenna data to a different region, which allows a user to reuse their infrastructure for multiple antenna sites, thereby, reducing their infrastructure footprint and costs. Gateway instances can be launched at scheduled times in different regions and a secure communication channel can be established between the gateway instances to establish inter-region communication.Type: GrantFiled: May 21, 2020Date of Patent: August 2, 2022Assignee: Amazon Technologies, Inc.Inventors: Nathan Burns, Kevin Cheek, Michelle Lynn Dobbs, Matthew Sterling Leese
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Publication number: 20220198521Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: ApplicationFiled: March 9, 2022Publication date: June 23, 2022Inventors: Jacob Matthew STERLING, Brent Alan BADGER
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Patent number: 11308521Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: GrantFiled: November 30, 2020Date of Patent: April 19, 2022Assignee: Worldpay, LLCInventors: Jacob Matthew Sterling, Brent Alan Badger
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Publication number: 20220020048Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: ApplicationFiled: September 30, 2021Publication date: January 20, 2022Inventors: Brent Alan BADGER, Jacob Matthew STERLING
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Publication number: 20220020057Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: ApplicationFiled: September 30, 2021Publication date: January 20, 2022Inventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
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Patent number: 11200597Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.Type: GrantFiled: January 7, 2016Date of Patent: December 14, 2021Assignee: Worldpay, LLCInventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
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Patent number: 11170396Abstract: Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel.Type: GrantFiled: December 21, 2018Date of Patent: November 9, 2021Assignee: Worldpay, LLCInventors: Brent Alan Badger, Jacob Matthew Sterling
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Publication number: 20210081996Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: ApplicationFiled: November 30, 2020Publication date: March 18, 2021Inventors: Jacob Matthew Sterling, Brent Alan Badger
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Patent number: 10929888Abstract: Systems and methods for applying a promotion to a payment transaction originating at a point of sale system of a merchant are described. Transactional information is provided to an acquirer computing system of the merchant. Based on identifying indicia associated with the transactional information, the acquirer computing system determines whether to modify the payment transaction messaging before communicating it along to an issuer computing system.Type: GrantFiled: October 2, 2014Date of Patent: February 23, 2021Assignee: WORLDPAY, LLCInventors: Jacob Matthew Sterling, Brent Alan Badger
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Publication number: 20210042778Abstract: Technologies for enhancing credit transactions include a point of sale computing system. The point of sale computing system receives payment vehicle data for a credit transaction associated with a purchase event. The point of sale computing system determines whether the credit transaction is an alternate routing candidate. The point of sale computing system routes an authorization request message to an issuer computing system via a payment card network in response to a determination that the credit transaction is not an alternate routing candidate. Alternatively, the point of sale computing system routes the authorization request message directly to the issuer computing system via a PIN debit network in response to a determination that the credit transaction is an alternate routing candidate. A corresponding authorization response message is received by the point of sale computing system via the payment card network or the PIN debit network. Other embodiments are described and claimed.Type: ApplicationFiled: October 23, 2020Publication date: February 11, 2021Inventors: Brent Alan BADGER, Jacob Matthew STERLING