Patents by Inventor Sean Kirch
Sean Kirch 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: 11941630Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One example method includes receiving, at an interface peripheral of a payment card device, a biometric from an individual associated with the device and comparing the received biometric to a biometric reference stored in a memory of the device. The method also includes, in response to the received biometric matching the biometric reference, setting a biometric status in the memory of the device for an expiration interval and enabling the device for transactions to be funded by an account linked to the device, based on the biometric status being set. The method then includes, in response to expiration of the expiration interval, resetting the biometric status in the device and disabling the device for transactions to be funded by the account, based on the biometric status not being set.Type: GrantFiled: March 30, 2023Date of Patent: March 26, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20230237487Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One example method includes receiving, at an interface peripheral of a payment card device, a biometric from an individual associated with the device and comparing the received biometric to a biometric reference stored in a memory of the device. The method also includes, in response to the received biometric matching the biometric reference, setting a biometric status in the memory of the device for an expiration interval and enabling the device for transactions to be funded by an account linked to the device, based on the biometric status being set. The method then includes, in response to expiration of the expiration interval, resetting the biometric status in the device and disabling the device for transactions to be funded by the account, based on the biometric status not being set.Type: ApplicationFiled: March 30, 2023Publication date: July 27, 2023Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 11645655Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: September 27, 2021Date of Patent: May 9, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20220012747Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: September 27, 2021Publication date: January 13, 2022Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 11132684Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: August 8, 2019Date of Patent: September 28, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 10861007Abstract: A method includes reading a card number from a payment device at a point of sale (POS) terminal. The method further includes transmitting a message from the POS terminal to a remote host computer, where the message includes the card number. Still further, the method includes receiving wallet data at the POS terminal from the host computer. The wallet data indicates a plurality of payment accounts associated with the card number. In addition, the method includes displaying the wallet data at the POS terminal and receiving a selection indication from a user at the POS terminal, where the selection indication is for selecting one of the payment accounts.Type: GrantFiled: September 17, 2014Date of Patent: December 8, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer R. Dogin, Sean Kirch
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Patent number: 10706420Abstract: A method for customized authentication of a subaccount includes: storing an account profile, wherein the account profile includes a structured data set related to a transaction account including a plurality of subaccounts, each subaccount including an associated account number, authentication rules, and authentication values; receiving a transaction message related to a payment transaction, wherein the transaction message includes a transaction account number and authentication data; identifying a specific subaccount in the account profile where the included associated account number corresponds to the transaction account number; and authenticating the authentication data based on the authentication rules and the authentication values included in the identified specific subaccount.Type: GrantFiled: December 6, 2016Date of Patent: July 7, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Sean Kirch, Girish Pandey
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Publication number: 20190362360Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: August 8, 2019Publication date: November 28, 2019Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 10410216Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: April 29, 2014Date of Patent: September 10, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20180158057Abstract: A method for customized authentication of a subaccount includes: storing an account profile, wherein the account profile includes a structured data set related to a transaction account including a plurality of subaccounts, each subaccount including an associated account number, authentication rules, and authentication values; receiving a transaction message related to a payment transaction, wherein the transaction message includes a transaction account number and authentication data; identifying a specific subaccount in the account profile where the included associated account number corresponds to the transaction account number; and authenticating the authentication data based on the authentication rules and the authentication values included in the identified specific subaccount.Type: ApplicationFiled: December 6, 2016Publication date: June 7, 2018Applicant: Mastercard International IncorporatedInventors: Sean KIRCH, Girish PANDEY
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Publication number: 20180150837Abstract: A system and method to enable a gifter to surprise a recipient with a gift. The gifter, having access to certain information about the recipient, is able to set up a gift to the recipient via a gift web site, setting criteria for the gift. For example, the gifter may provide a gift for a predetermined amount that is redeemable at any merchant or merchant website. Alternatively, the gifter may provide a gift for a predetermined amount that may be redeemed only at a specific merchant or a specific merchant website. Still alternatively, the gifter may provide a gift the permits the intended gift recipient to purchase a predetermined number of items from any merchant or from a specific merchant. In this way the gifter provides a surprise gift to a gift recipient.Type: ApplicationFiled: November 29, 2016Publication date: May 31, 2018Inventors: Sean Kirch, Vijaykrishna Lakshminarayanan, Girish Pandey
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Publication number: 20160358250Abstract: A method includes establishing a credit account, setting a credit limit for the credit account, generating a payments profile for the holder of the credit account, and adjusting the credit limit based on the payments profile.Type: ApplicationFiled: June 3, 2015Publication date: December 8, 2016Inventors: Jennifer R. Dogin, Sean Kirch
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Publication number: 20150356551Abstract: A method includes reading a card number from a payment device at a point of sale (POS) terminal. The method further includes transmitting a message from the POS terminal to a remote host computer, where the message includes the card number. Still further, the method includes receiving wallet data at the POS terminal from the host computer. The wallet data indicates a plurality of payment accounts associated with the card number. In addition, the method includes displaying the wallet data at the POS terminal and receiving a selection indication from a user at the POS terminal, where the selection indication is for selecting one of the payment accounts.Type: ApplicationFiled: September 17, 2014Publication date: December 10, 2015Inventors: Jennifer R. Dogin, Sean Kirch
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Publication number: 20150310440Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: April 29, 2014Publication date: October 29, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin