Patents by Inventor Penny Jurss
Penny Jurss 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: 20230336349Abstract: The present embodiments relate to integrated provisioning of a user device to a storage application using a provisioning software development kit (SDK) on a mobile device. A provisioning SDK can receive an encrypted credential and a storage application identifier from a first application on a mobile device and provide the encrypted credential to a processing computer. The processing computer can decrypt the encrypted credential using a first application cryptographic key to obtain the credential and encrypt the credential with the second application cryptographic key. The provisioning SDK can forward the encrypted credential to a storage application server to decrypt the credential encrypted with another second application cryptographic key of the second application key pair. The storage application server can then store the credential or a token associated with the credential and/or transmit the credential or the token associated with the credential to the second application.Type: ApplicationFiled: September 30, 2021Publication date: October 19, 2023Applicant: Visa International Service AssociationInventors: Cristian Dumitru, Penny Jurss, Sushovan Sarkar, Suresh Kalakrishnan
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Publication number: 20230196377Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.Type: ApplicationFiled: February 23, 2023Publication date: June 22, 2023Applicant: Visa International Service AssociationInventors: Penny Jurss, Rowena McCallister, Bradford Crouch, Suresh Kalakrishnan
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Patent number: 11631085Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.Type: GrantFiled: March 12, 2019Date of Patent: April 18, 2023Assignee: Visa International Service AssociationInventors: Penny Jurss, Rowena McCallister, Bradford Crouch, Suresh Kalakrishnan
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Patent number: 11015014Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: GrantFiled: February 15, 2019Date of Patent: May 25, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: George Perry, Penny Jurss
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Publication number: 20210049614Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.Type: ApplicationFiled: March 12, 2019Publication date: February 18, 2021Inventors: Penny JURSS, Rowena MCCALLISTER, Bradford CROUCH, Suresh KALAKRISHNAN
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Patent number: 10489565Abstract: A user device operated by a user receives a compromise alert indicating a potentially compromised use of first access data associated with a user. The compromise alert enables the user to input a response to the compromise alert, where the response can indicate that the first access data is compromised along with a request to issue new access data for the user. The response is sent to a server computer, which then initiates a process to disable use of the first access data and generate the new access data. The new access data is transmitted to the user device. The user can utilize the new access data to request access to a resource.Type: GrantFiled: June 5, 2017Date of Patent: November 26, 2019Assignee: Visa International Service AssociationInventors: Penny Jurss, George Perry, Joseph Vause, Joseph Parvis, Joseph Chouinard, Gloria Mai, Matthew Wick
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Publication number: 20190218332Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: ApplicationFiled: February 15, 2019Publication date: July 18, 2019Inventors: George Perry, Penny Jurss
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Patent number: 10269014Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: GrantFiled: July 27, 2015Date of Patent: April 23, 2019Assignee: Visa International Service AssociationInventors: George Perry, Penny Jurss
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Publication number: 20170353436Abstract: A user device operated by a user receives a compromise alert indicating a potentially compromised use of first access data associated with a user. The compromise alert enables the user to input a response to the compromise alert, where the response can indicate that the first access data is compromised along with a request to issue new access data for the user. The response is sent to a server computer, which then initiates a process to disable use of the first access data and generate the new access data. The new access data is transmitted to the user device. The user can utilize the new access data to request access to a resource.Type: ApplicationFiled: June 5, 2017Publication date: December 7, 2017Inventors: Penny Jurss, George Perry, Joseph Vause, Joseph Parvis, Joseph Chouinard, Gloria Mai, Matthew Wick
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Publication number: 20170352095Abstract: Described herein is a system for optimizing transactions conducted using a portfolio of payment devices by providing strategic content. In particular, content are assigned to payment devices in a portfolio of payment devices based on a frequency of a transaction type and a frequency with which a payment device is used. In some embodiments, a content may be generated for a payment device upon determining that a frequency of use associated with the payment device is below a usage frequency threshold. In some embodiments, a number of transactions associated with a portfolio of payment devices may be maximized by assigning content associated with transaction types that are frequently conducted to payment devices that are infrequently used as well as assigning content associated with transaction types that are infrequently conducted to payment devices that are frequently used.Type: ApplicationFiled: June 5, 2017Publication date: December 7, 2017Inventors: Penny Jurss, Margaret Vasquez, George Perry, Margaret Szeto, Jaesung Park, Kellen Mannion
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Patent number: 9367843Abstract: Techniques are provided for generating a transaction alert for a transaction whether the transaction was processed by a first payment processing network associated with an alerting platform or the transaction was processed by a second payment processing network not associated with an alert platform. An authorization request message associated with a transaction is received by a transaction processing server configured to receive authorization request messages from a first payment network and a second payment network. If the authorization request message was routed through the second payment network, alert initiation data is transmitted to an alert platform associated with the first payment network. The alert platform is configured to apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated, generate the alert, and transmit the alert to a mobile application.Type: GrantFiled: October 14, 2011Date of Patent: June 14, 2016Assignee: Visa International Service AssociationInventor: Penny Jurss
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Publication number: 20150332265Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: ApplicationFiled: July 27, 2015Publication date: November 19, 2015Inventors: George Perry, Penny Jurss
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Patent number: 9129281Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: GrantFiled: February 6, 2013Date of Patent: September 8, 2015Assignee: Visa International Service AssociationInventors: George Perry, Penny Jurss
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Publication number: 20130203444Abstract: A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database.Type: ApplicationFiled: February 6, 2013Publication date: August 8, 2013Inventors: George Perry, Penny Jurss
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Publication number: 20120095918Abstract: Techniques are provided for generating a transaction alert for a transaction whether the transaction was processed by a first payment processing network associated with an alerting platform or the transaction was processed by a second payment processing network not associated with an alert platform. An authorization request message associated with a transaction is received by a transaction processing server configured to receive authorization request messages from a first payment network and a second payment network. If the authorization request message was routed through the second payment network, alert initiation data is transmitted to an alert platform associated with the first payment network. The alert platform is configured to apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated, generate the alert, and transmit the alert to a mobile application.Type: ApplicationFiled: October 14, 2011Publication date: April 19, 2012Inventor: Penny Jurss
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Publication number: 20090292569Abstract: Disclosed herein is a method for collecting information related to deposits made at an ATM and an ATM configured for collected the same. Information describing each deposit made at the ATM is collected and first and second summaries of the deposits produced. In response to a sweep command, a printout summarizing deposits made prior to the sweep command and subsequent to an immediately preceding sweep command is generated while, in response to a reset command, a printout summarizing deposits made prior to the reset command but subsequent to the sweep command is generated.Type: ApplicationFiled: May 23, 2008Publication date: November 26, 2009Inventors: Scott R. Statland, Penny Jurss