Patents by Inventor Adam K. Hosp
Adam K. Hosp 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: 11907930Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: GrantFiled: August 12, 2022Date of Patent: February 20, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe
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Publication number: 20230385906Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device and a processor. The processor receives transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, where the purchases satisfy a first criteria. The processor also receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The processor further determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders.Type: ApplicationFiled: August 14, 2023Publication date: November 30, 2023Inventors: Christopher J. Merz, Walter Lo Faro, Adam K. Hosp, Matthew Richard Stocke, Stephen P. Hendrix, Robert T. Grothe, JR.
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Patent number: 11727462Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders.Type: GrantFiled: October 4, 2019Date of Patent: August 15, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher J. Merz, Walter Lo Faro, Adam K. Hosp, Matthew Richard Stocke, Stephen P. Hendrix, Robert T. Grothe, Jr.
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Publication number: 20220391881Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: ApplicationFiled: August 12, 2022Publication date: December 8, 2022Inventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe
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Patent number: 11416845Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: GrantFiled: November 27, 2019Date of Patent: August 16, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe
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Publication number: 20210090073Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: ApplicationFiled: November 27, 2019Publication date: March 25, 2021Inventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe
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Publication number: 20200097954Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: ApplicationFiled: November 27, 2019Publication date: March 26, 2020Inventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe
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Patent number: 10600039Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.Type: GrantFiled: May 20, 2015Date of Patent: March 24, 2020Assignees: MASTERCARD INTERNATIONAL INCORPORATED, Bank of America CorporationInventors: David C. Brown, Adam K. Hosp, Victor Lopes, Peter John Bertanzetti, David M. Grigg
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Publication number: 20200034913Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders.Type: ApplicationFiled: October 4, 2019Publication date: January 30, 2020Inventors: Christopher J. Merz, Walter Lo Faro, Adam K. Hosp, Matthew Richard Stocke, Stephen P. Hendrix, Robert T. Grothe
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Patent number: 10504121Abstract: A method and system for purchase transactions using a personal communication network are provided. The method includes receiving registration data for a seller to use a payment platform, receiving item information relating to an item for sale, and receiving a selection of at least one of one or more messaging accounts associated with the seller and one or more of a plurality of personal communication network accounts associated with the seller. The method also includes generating an address of a hosted website configured to display item information and transmitting the generated address to the one or more of the personal communication network accounts. The method further includes receiving an authorization to pay the seller from a consumer account and transferring value from a consumer account to a seller account within the payment platform.Type: GrantFiled: June 11, 2015Date of Patent: December 10, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Adam K. Hosp
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Patent number: 10438269Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder, determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders, and determines a merchant score for each of the plurality of merchants by comparing the merchant rank to the neutral merchant rank.Type: GrantFiled: March 12, 2013Date of Patent: October 8, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher J. Merz, Walter Lo Faro, Adam K. Hosp, Matthew Richard Stocke, Stephen P. Hendrix, Robert T. Grothe, Jr.
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Patent number: 10096050Abstract: A computer implemented method for managing a group chat during an ecommerce session is provided. The method includes initiating a chat session between at least a first client computer device associated with a first participant and a second client computer device associated with a second participant, and sharing at least one view of an ecommerce website with the first client computer device and the second client computer device. The first client computer device and the second client computer device are configured to display the at least one view of the ecommerce website. The at least one view includes at least one purchasable item. The method also includes initiating a purchase transaction for the at least one purchasable item included in the at least one view, receiving payment information for the purchase transaction, and completing the purchase transaction based on the payment information.Type: GrantFiled: August 7, 2015Date of Patent: October 9, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Kimberly Purcell, Adam K. Hosp, Malavika Singh, David C. Brown
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Publication number: 20160342962Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.Type: ApplicationFiled: May 20, 2015Publication date: November 24, 2016Inventors: David C. Brown, Adam K. Hosp, Victor Lopes, Peter John Bertanzetti, David M. Grigg
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Publication number: 20160042420Abstract: A computer implemented method for managing a group chat during an ecommerce session is provided. The method includes initiating a chat session between at least a first client computer device associated with a first participant and a second client computer device associated with a second participant, and sharing at least one view of an ecommerce website with the first client computer device and the second client computer device. The first client computer device and the second client computer device are configured to display the at least one view of the ecommerce website. The at least one view includes at least one purchasable item. The method also includes initiating a purchase transaction for the at least one purchasable item included in the at least one view, receiving payment information for the purchase transaction, and completing the purchase transaction based on the payment information.Type: ApplicationFiled: August 7, 2015Publication date: February 11, 2016Inventors: Kimberly Purcell, Adam K. Hosp, Malavika Singh, David C. Brown
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Publication number: 20150363779Abstract: A method and system for purchase transactions using a personal communication network are provided. The method includes receiving registration data for a seller to use a payment platform, receiving item information relating to an item for sale, and receiving a selection of at least one of one or more messaging accounts associated with the seller and one or more of a plurality of personal communication network accounts associated with the seller. The method also includes generating an address of a hosted website configured to display item information and transmitting the generated address to the one or more of the personal communication network accounts. The method further includes receiving an authorization to pay the seller from a consumer account and transferring value from a consumer account to a seller account within the payment platform.Type: ApplicationFiled: June 11, 2015Publication date: December 17, 2015Inventor: Adam K. Hosp
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Publication number: 20140279185Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders.Type: ApplicationFiled: March 12, 2013Publication date: September 18, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher J. Merz, Walter Lo Faro, Adam K. Hosp, Matthew Richard Stocke, Stephen P. Hendrix, Robert T. Grothe, JR.
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Publication number: 20130282565Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.Type: ApplicationFiled: April 18, 2013Publication date: October 24, 2013Applicant: MasterCard International IncorporatedInventors: Deborah Barta, David C. Brown, Adam K. Hosp, Matthew Wickman, Joshua G. Monroe