Patents by Inventor Theresa Altman
Theresa Altman 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: 10970777Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.Type: GrantFiled: September 14, 2009Date of Patent: April 6, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Theresa Altman, Gidget Hall, Edward McLaughlin
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Patent number: 9824342Abstract: Under control of an operator of a payment processing network, a bill presentment service is provided, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities. The operator also provides at least a portion of a bill payment service wherein the consuming entities are afforded an option of paying the bills from the plurality of billing entities. The operator stores, in a database, registration and preference data pertaining to each of the plurality of consuming entities. At least portion of the registration and preference data includes payment preference data specifying how a given one of the consuming entities wishes to pay at least two of the billing entities. The given one of the consuming entities is afforded an option to pay the at least two of the billing entities with a single command, in accordance with the payment preference data.Type: GrantFiled: November 25, 2013Date of Patent: November 21, 2017Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mary L. Kelly, Susan E. Riskovsky, Theresa Altman, Michael Tolle, Darlene Lohman, Brian W. Mueller
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Publication number: 20140156520Abstract: Under control of an operator of a payment processing network, a bill presentment service is provided, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities. The operator also provides at least a portion of a bill payment service wherein the consuming entities are afforded an option of paying the bills from the plurality of billing entities. The operator stores, in a database, registration and preference data pertaining to each of the plurality of consuming entities. At least portion of the registration and preference data includes payment preference data specifying how a given one of the consuming entities wishes to pay at least two of the billing entities. The given one of the consuming entities is afforded an option to pay the at least two of the billing entities with a single command, in accordance with the payment preference data.Type: ApplicationFiled: November 25, 2013Publication date: June 5, 2014Applicant: MasterCard International IncorporatedInventors: Mary L. Kelly, Susan E. Riskovsky, Theresa Altman, Michael Tolle, Darlene Lohman, Brian W. Mueller
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Patent number: 8595134Abstract: A bill presentment service, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service providers, is provided under control of an operator of a payment processing network. Registration and preference data pertaining to each of the plurality of consuming entities are stored in a database, accessible to the operator of the payment processing network. A given one of the consuming entities which has switched from a first one of the consuming entity service providers to a second one of the consuming entity service providers is allowed to access the bill presentment service via the first one of the consuming entity service providers, prior to the switching, and via the second one of the consuming entity service providers, subsequent to the switching, using the stored registration and preference data. A subset of the registration and preference data pertains to the given one of the consuming entities.Type: GrantFiled: February 11, 2011Date of Patent: November 26, 2013Assignee: Mastercard International IncorporatedInventors: Mary L. Kelly, Susan E. Riskovsky, Theresa Altman, Michael Tolle, Darlene Lohman, Brian W. Mueller
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Publication number: 20110251952Abstract: A bill presentment service, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service providers, is provided under control of an operator of a payment processing network. Registration and preference data pertaining to each of the plurality of consuming entities are stored in a database, accessible to the operator of the payment processing network. A given one of the consuming entities which has switched from a first one of the consuming entity service providers to a second one of the consuming entity service providers is allowed to access the bill presentment service via the first one of the consuming entity service providers, prior to the switching, and via the second one of the consuming entity service providers, subsequent to the switching, using the stored registration and preference data. A subset of the registration and preference data pertains to the given one of the consuming entities.Type: ApplicationFiled: February 11, 2011Publication date: October 13, 2011Applicant: MasterCard International IncorporatedInventors: Mary L. Kelly, Susan E. Riskovsky, Theresa Altman, Michael Tolle, Darlene Lohman, Brian W. Mueller
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Publication number: 20100100480Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.Type: ApplicationFiled: September 14, 2009Publication date: April 22, 2010Applicant: MasterCard International IncorporatedInventors: Theresa Altman, Gidget Hall, Edward McLaughlin