Patents by Inventor Molly Plozay
Molly Plozay 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: 8635151Abstract: Methods and systems are provided for managing a financial account in which account information is maintained for the financial account on a host system. The account information includes a set of account parameter values and a specification of a base account processing strategy. An entry in a lookup table is maintained on a storage device in communication with the host system is accessed. The entry is defined by at least one of the account parameter values. An operation specified by the entry and inconsistent with operations specified by the base account processing strategy is implemented to override at least a portion of the base account processing strategy. The base account processing strategy is reverted to with the host system in response to satisfaction of a predetermined trigger condition.Type: GrantFiled: August 13, 2004Date of Patent: January 21, 2014Assignee: First Data CorporationInventors: Steve R. Krajewski, Keith A. Rose, Rebecca J. Cash, Molly Plozay, Richard L. Savage, Tod O. Brockley, Jeffery S. Harden
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Patent number: 7899732Abstract: A method of providing bankcard services includes receiving at a host computer system information from a client defining an event. The method includes receiving at the host computer system information identifying a condition relating to at least one element associated with bankcard accounts. The method further includes receiving at the host computer system information defining an action to be taken based on the condition upon the occurrence of the event. The method also includes storing the event, the condition, and the action as a business rule at the host computer system.Type: GrantFiled: October 15, 2002Date of Patent: March 1, 2011Assignee: First Data CorporationInventors: Eric Van Beaumont, Jerome A. Bradley, Reneā² Jeanne LaRose, Molly Plozay, Kerry Ann Miloni Thiele, Doug Frerichs, Stephen M. Meyers, James Alan McCarthy, Kenneth Schwartz
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Publication number: 20090024508Abstract: A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior of individual account holders. A first data store holds account data for financial accounts, including the account processing methods and associated method overrides applied to each financial account as well as account history information. A second data store holds decision rules for determining whether to apply a method override to the financial account based on the account history information. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account. The decision engine then applies the method override to the financial account.Type: ApplicationFiled: September 25, 2008Publication date: January 22, 2009Applicant: First Data CorporationInventors: Steve R. Krajewski, Keith A. Rose, Rebecca J. Avsec, Molly Plozay, Richard L. Savage, Tod O. Brockley, Jeffrey S. Harden
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Patent number: 7447657Abstract: A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior of individual account holders. A first data store holds account data for financial accounts, including the account processing methods and associated method overrides applied to each financial account as well as account history information. A second data store holds decision rules for determining whether to apply a method override to the financial account based on the account history information. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account. The decision engine then applies the method override to the financial account.Type: GrantFiled: March 14, 2002Date of Patent: November 4, 2008Assignee: First Data CorporationInventors: Steve R. Krajewski, Keith A Rose, Rebecca J. Avsec, Molly Plozay, Richard L. Savage, Tod O. Brockley, Jeffrey S. Harden
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Publication number: 20080210753Abstract: A acquirer system used for credit card transaction processing includes a loyalty server to manage issuance of loyalty points as transactions are processed and to provide settlement features. The loyalty server uses loyalty qualifying criteria and assigned point values stored in an associated database. When points are awarded, the loyalty server records the value of the points and electronically transfers amounts from an account of a merchant to an account of the loyalty point issuer. The merchant may be multi-tiered, with the point value allotted between a central merchant organization and individual retail stores.Type: ApplicationFiled: March 2, 2007Publication date: September 4, 2008Applicant: First Data CorporationInventors: Molly Plozay, Julie Bohn, Chaun Heywood
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Publication number: 20060196932Abstract: A method of providing bankcard services includes receiving at a host computer system information from a client defining an event. The method includes receiving at the host computer system information identifying a condition relating to at least one element associated with bankcard accounts. The method further includes receiving at the host computer system information defining an action to be taken based on the condition upon the occurrence of the event, where among other things, the action results in a fee to be assessed against an account. The method also includes storing the event, the condition, and the action as a business rule at the host computer system.Type: ApplicationFiled: May 16, 2006Publication date: September 7, 2006Applicant: First Data CorporationInventors: Michael Koenigsman, Kerry Miloni Thiele, Molly Plozay
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Publication number: 20050080726Abstract: Methods and systems are provided for managing a financial account in which account information is maintained for the financial account on a host system. The account information includes a set of account parameter values and a specification of a base account processing strategy. An entry in a lookup table is maintained on a storage device in communication with the host system is accessed. The entry is defined by at least one of the account parameter values. An operation specified by the entry and inconsistent with operations specified by the base account processing strategy is implemented to override at least a portion of the base account processing strategy. The base account processing strategy is reverted to with the host system in response to satisfaction of a predetermined trigger condition.Type: ApplicationFiled: August 13, 2004Publication date: April 14, 2005Applicant: First Data CorporationInventors: Steve Krajewski, Keith Rose, Rebecca Cash, Molly Plozay, Richard Savage, Tod Brockley, Jeffrey Harden
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Publication number: 20040073511Abstract: A method of providing bankcard services includes receiving at a host computer system information from a client defining an event. The method includes receiving at the host computer system information identifying a condition relating to at least one element associated with bankcard accounts. The method further includes receiving at the host computer system information defining an action to be taken based on the condition upon the occurrence of the event. The method also includes storing the event, the condition, and the action as a business rule at the host computer system.Type: ApplicationFiled: October 15, 2002Publication date: April 15, 2004Applicant: First Data CorporationInventors: Eric Van Beaumont, Jerome A. Bradley, Rene?apos; Jeanne LaRose, Molly Plozay, Kerry Ann Miloni Thiele, Doug Frerichs, Stephen M. Meyers, James Alan McCarthy, Kenneth Schwartz
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Publication number: 20030177079Abstract: Methods and systems are provided for managing a financial account in which account information is maintained, including a set of account parameter values and a specification of a default account processing strategy. Account usage information is received for the financial account and is used in combination with the account parameter values to make a determination whether to override at least a portion of the account processing strategy. In addition to implementing the override, the set of account parameter values may be changed.Type: ApplicationFiled: December 17, 2002Publication date: September 18, 2003Applicant: First Data CorporationInventors: Steve R. Krajewski, Keith A. Rose, Rebecca J. Cash, Molly Plozay, Richard L. Savage, Tod O. Brockley, Jeffrey S. Harden, Kenneth Algiene, Henry Abelman