Patents by Inventor Patricia Preston
Patricia Preston 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: 10915898Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: December 14, 2018Date of Patent: February 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20190122207Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: December 14, 2018Publication date: April 25, 2019Applicant: MASTERCARD INTERNATIONAL, Inc.Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Patent number: 10210514Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: June 6, 2014Date of Patent: February 19, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20150081536Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: June 6, 2014Publication date: March 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Patent number: 8751381Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: February 23, 2012Date of Patent: June 10, 2014Assignee: Mastercard International IncorporatedInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Patent number: 8332288Abstract: Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.Type: GrantFiled: August 31, 2011Date of Patent: December 11, 2012Assignee: MasterCard International IncorporatedInventors: Patricia Preston, Janet L. Bernacki
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Publication number: 20120215688Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: February 23, 2012Publication date: August 23, 2012Applicant: MASTERCARD INTERNATIONAL, INC.Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20110320325Abstract: Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.Type: ApplicationFiled: August 31, 2011Publication date: December 29, 2011Applicant: MASTERCARD INTERNATIONAL, INC.Inventors: Patricia Preston, Janet L. Bernacki
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Patent number: 8027891Abstract: Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.Type: GrantFiled: December 17, 2008Date of Patent: September 27, 2011Assignee: MasterCard International, Inc.Inventors: Patricia Preston, Janet L. Bernacki
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Publication number: 20100153242Abstract: Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.Type: ApplicationFiled: December 17, 2008Publication date: June 17, 2010Applicant: MasterCard International, Inc.Inventors: Patricia Preston, Janet L. Bernacki