Patents by Inventor Patrick Wright
Patrick Wright 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: 20240034722Abstract: The present invention provides novel compounds: and methods of making such compounds, methods of using such compounds for pretargeted imaging, and preparations of formulations for such use.Type: ApplicationFiled: December 15, 2021Publication date: February 1, 2024Inventors: Aldo CAGNOLINI, Adam Thomas HOYE, Ximin LI, Justin Patrick WRIGHT, Hui XIONG
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Publication number: 20230361980Abstract: Devices, systems, and methods for event device system operation are described herein. In some examples, one or more embodiments include a controller comprising a memory and a processor to execute instructions stored in the memory to transmit, to a plurality of event devices via a power line communications (PLC) protocol, a synchronization message according to a predetermined schedule to cause the plurality of event devices to synchronize timing of the plurality of event devices with the controller, transmit, to the plurality of event devices via the PLC protocol, a command according to the predetermined schedule, and receive, from the plurality of event devices via the PLC protocol, a response to the command according to the predetermined schedule.Type: ApplicationFiled: May 4, 2022Publication date: November 9, 2023Inventors: David C. Doll, Patrick Wright, Robert J. Selepa, Mark Bohanon, Edward J. Kurtz
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Patent number: 10943231Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: GrantFiled: August 28, 2018Date of Patent: March 9, 2021Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Patent number: 10909539Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: GrantFiled: October 29, 2014Date of Patent: February 2, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee
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Patent number: 10733623Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.Type: GrantFiled: February 2, 2018Date of Patent: August 4, 2020Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 10504118Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.Type: GrantFiled: March 8, 2017Date of Patent: December 10, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell
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Patent number: 10346839Abstract: A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.Type: GrantFiled: October 19, 2016Date of Patent: July 9, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 10339553Abstract: A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.Type: GrantFiled: August 22, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20190007451Abstract: A method of providing internet security is provided that includes accessing and monitoring a list of online threat exchanges or indexes, wherein accessing the list occurs in real-time and is continuously updated, storing the monitored information at a server, monitoring at least one honeypot established by an operator of the server, wherein monitoring the honeypot occurs in real-time and is continuously updated, compiling a database based on the accessed list and monitored honeypot, and implementing a security measure based on the compiled database.Type: ApplicationFiled: June 30, 2018Publication date: January 3, 2019Inventors: Sheryl Pierce, Marshall Wright, Patrick Wright
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Publication number: 20180365690Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: ApplicationFiled: August 28, 2018Publication date: December 20, 2018Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Patent number: 10078837Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: GrantFiled: September 26, 2014Date of Patent: September 18, 2018Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Publication number: 20180158091Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.Type: ApplicationFiled: February 2, 2018Publication date: June 7, 2018Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 9922338Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.Type: GrantFiled: March 14, 2013Date of Patent: March 20, 2018Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20170178143Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.Type: ApplicationFiled: March 8, 2017Publication date: June 22, 2017Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell
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Patent number: 9626678Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.Type: GrantFiled: August 1, 2013Date of Patent: April 18, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell
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Publication number: 20170039560Abstract: A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.Type: ApplicationFiled: October 19, 2016Publication date: February 9, 2017Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20160358197Abstract: A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.Type: ApplicationFiled: August 22, 2016Publication date: December 8, 2016Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 9495690Abstract: A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.Type: GrantFiled: March 14, 2013Date of Patent: November 15, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 9460436Abstract: A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.Type: GrantFiled: March 14, 2013Date of Patent: October 4, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20150120560Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for performing a secure authentication process to authenticate a payment device used in a transaction between a merchant and a user. The secure authentication process may receive an authentication request message including user data, user computing device data and transaction data to verify that an account is enrolled in the secure authentication process and perform a risk analysis to determine whether the transaction should be authenticated.Type: ApplicationFiled: October 29, 2014Publication date: April 30, 2015Inventors: Douglas Fisher, Karl Newland, Patrick Wright, Kevin Wong, Christopher Brownlee