Patents by Inventor Sharon A. Rosano
Sharon A. Rosano 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: 20230334449Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: ApplicationFiled: June 26, 2023Publication date: October 19, 2023Inventor: Sharon A. Rosano
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Patent number: 11687893Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: GrantFiled: March 8, 2021Date of Patent: June 27, 2023Assignee: Mastercard International IncorporatedInventor: Sharon A. Rosano
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Patent number: 11301866Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: GrantFiled: October 18, 2019Date of Patent: April 12, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Sharon A. Rosano
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Publication number: 20210287189Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: ApplicationFiled: March 8, 2021Publication date: September 16, 2021Inventor: Sharon A. Rosano
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Publication number: 20210166236Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: ApplicationFiled: October 18, 2019Publication date: June 3, 2021Inventor: Sharon A. Rosano
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Patent number: 10943216Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: GrantFiled: October 27, 2015Date of Patent: March 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Sharon A. Rosano
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Patent number: 10937032Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.Type: GrantFiled: September 28, 2017Date of Patent: March 2, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Sharon A. Rosano
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Publication number: 20200160342Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: ApplicationFiled: October 18, 2019Publication date: May 21, 2020Inventor: Sharon A. Rosano
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Patent number: 10453069Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: GrantFiled: December 22, 2016Date of Patent: October 22, 2019Assignee: Mastercard International IncorporatedInventor: Sharon A. Rosano
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Publication number: 20180018668Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.Type: ApplicationFiled: September 28, 2017Publication date: January 18, 2018Inventor: Sharon A. Rosano
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Patent number: 9785946Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.Type: GrantFiled: March 7, 2013Date of Patent: October 10, 2017Assignee: Mastercard International IncorporatedInventor: Sharon A. Rosano
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Patent number: 9773262Abstract: An electronic funds transfer bill payment operation of a financial institution receives first information, representing an account restructuring of a biller which uses the bill payment operation, which information is combined with second information, which is formatted differently than the first information, into a uniformly formatted file. The second information includes card update information for recurring payment card payments made with payment cards issued by the financial institution. The uniformly formatted file is transferred to an operator of a payment network of a kind configured to facilitate transactions between multiple issuers and multiple acquirers, and it specifies at least one old account number associated with a biller and at least one new account number associated with the biller.Type: GrantFiled: November 12, 2009Date of Patent: September 26, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATED PURCHASEInventors: Sharon A. Rosano, Bryan-Earl Kerola, Pauline Ow, Darlene M. Lohman
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Publication number: 20170116585Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.Type: ApplicationFiled: October 27, 2015Publication date: April 27, 2017Inventor: Sharon A. Rosano
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Publication number: 20170109749Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: ApplicationFiled: December 22, 2016Publication date: April 20, 2017Inventor: Sharon A. Rosano
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Patent number: 9530130Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: GrantFiled: July 30, 2012Date of Patent: December 27, 2016Assignee: MasterCard International IncorporatedInventor: Sharon A. Rosano
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Publication number: 20140365368Abstract: A method for denying a payment transaction initiated by a user using a payment card associated with a blocked account is provided. The method may be implemented by a computing device coupled to a memory device. The method includes receiving by the computing device a request to block an account number from being used in connection with payment transactions, and storing the account number in the memory device as a blocked account number. The method also involves receiving by the computing device a request to verify that a new payment transaction as not being associated with a blocked account number, the verification request including a candidate account number. The method also comprises comparing the candidate account number with the blocked account number stored in the memory device, and denying verification of the new payment transaction when at least a portion of the candidate account number matches the blocked account number.Type: ApplicationFiled: June 11, 2013Publication date: December 11, 2014Inventors: Sharon A. Rosano, Richard Rozbicki, Timothy Tudor Hopkins
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Publication number: 20140258099Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.Type: ApplicationFiled: March 7, 2013Publication date: September 11, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Sharon A. Rosano
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Publication number: 20140195433Abstract: A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments.Type: ApplicationFiled: February 20, 2014Publication date: July 10, 2014Applicant: MasterCard International IncorporatedInventors: Luis Filipe de Almeida Ferreira da Silva, Sharon A. Rosano, Timothy T. Hopkins
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Patent number: 8706623Abstract: A method of reducing chargebacks due to a cancelled recurring payment, wherein the payment occurs within a card-based financial network, and wherein the network includes a database of unauthorized recurring charges and a defined chargeback procedure. The method generally includes the step of upgrading a recurring payment cancellation services file based on predefined occurrences relating to the identifying of cancelled recurring payments.Type: GrantFiled: March 27, 2012Date of Patent: April 22, 2014Assignee: MasterCard International, Inc.Inventors: Luis Filipe de Almeida Ferreira da Silva, Sharon A. Rosano, Timothy T. Hopkins
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Publication number: 20140032409Abstract: In one aspect, a method for processing a card-not-present account-on-file transaction is provided. The transaction involves a cardholder using payment card information stored by a merchant. The method includes receiving an authorization request message for the transaction, the authorization request message received at a payment network from an acquirer associated with the merchant and receiving an authorization response message, the authorization response message received at the payment network from an issuer. The authorization response includes a denial indicator indicating that the transaction has been denied. The method further includes querying a database coupled to the payment network to determine whether the database includes updated payment card information for a payment card associated with the transaction.Type: ApplicationFiled: July 30, 2012Publication date: January 30, 2014Inventor: Sharon A. Rosano