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).

  • Publication number: 20230336349
    Abstract: 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: Application
    Filed: September 30, 2021
    Publication date: October 19, 2023
    Applicant: Visa International Service Association
    Inventors: Cristian Dumitru, Penny Jurss, Sushovan Sarkar, Suresh Kalakrishnan
  • Publication number: 20230196377
    Abstract: 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: Application
    Filed: February 23, 2023
    Publication date: June 22, 2023
    Applicant: Visa International Service Association
    Inventors: Penny Jurss, Rowena McCallister, Bradford Crouch, Suresh Kalakrishnan
  • Patent number: 11631085
    Abstract: 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: Grant
    Filed: March 12, 2019
    Date of Patent: April 18, 2023
    Assignee: Visa International Service Association
    Inventors: Penny Jurss, Rowena McCallister, Bradford Crouch, Suresh Kalakrishnan
  • Patent number: 11015014
    Abstract: 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: Grant
    Filed: February 15, 2019
    Date of Patent: May 25, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: George Perry, Penny Jurss
  • Publication number: 20210049614
    Abstract: 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: Application
    Filed: March 12, 2019
    Publication date: February 18, 2021
    Inventors: Penny JURSS, Rowena MCCALLISTER, Bradford CROUCH, Suresh KALAKRISHNAN
  • Patent number: 10489565
    Abstract: 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: Grant
    Filed: June 5, 2017
    Date of Patent: November 26, 2019
    Assignee: Visa International Service Association
    Inventors: Penny Jurss, George Perry, Joseph Vause, Joseph Parvis, Joseph Chouinard, Gloria Mai, Matthew Wick
  • Publication number: 20190218332
    Abstract: 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: Application
    Filed: February 15, 2019
    Publication date: July 18, 2019
    Inventors: George Perry, Penny Jurss
  • Patent number: 10269014
    Abstract: 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: Grant
    Filed: July 27, 2015
    Date of Patent: April 23, 2019
    Assignee: Visa International Service Association
    Inventors: George Perry, Penny Jurss
  • Publication number: 20170353436
    Abstract: 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: Application
    Filed: June 5, 2017
    Publication date: December 7, 2017
    Inventors: Penny Jurss, George Perry, Joseph Vause, Joseph Parvis, Joseph Chouinard, Gloria Mai, Matthew Wick
  • Publication number: 20170352095
    Abstract: 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: Application
    Filed: June 5, 2017
    Publication date: December 7, 2017
    Inventors: Penny Jurss, Margaret Vasquez, George Perry, Margaret Szeto, Jaesung Park, Kellen Mannion
  • Patent number: 9367843
    Abstract: 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: Grant
    Filed: October 14, 2011
    Date of Patent: June 14, 2016
    Assignee: Visa International Service Association
    Inventor: Penny Jurss
  • Publication number: 20150332265
    Abstract: 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: Application
    Filed: July 27, 2015
    Publication date: November 19, 2015
    Inventors: George Perry, Penny Jurss
  • Patent number: 9129281
    Abstract: 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: Grant
    Filed: February 6, 2013
    Date of Patent: September 8, 2015
    Assignee: Visa International Service Association
    Inventors: George Perry, Penny Jurss
  • Publication number: 20130203444
    Abstract: 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: Application
    Filed: February 6, 2013
    Publication date: August 8, 2013
    Inventors: George Perry, Penny Jurss
  • Publication number: 20120095918
    Abstract: 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: Application
    Filed: October 14, 2011
    Publication date: April 19, 2012
    Inventor: Penny Jurss
  • Publication number: 20090292569
    Abstract: 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: Application
    Filed: May 23, 2008
    Publication date: November 26, 2009
    Inventors: Scott R. Statland, Penny Jurss