Patents by Inventor Akeda Hosten

Akeda Hosten 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: 20230071323
    Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.
    Type: Application
    Filed: November 14, 2022
    Publication date: March 9, 2023
    Inventors: Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Epher Mendoza, Adam Axe, Shawn Mehrhoff, Christopher T. Scholl, David Vorhies
  • Patent number: 11501272
    Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
    Type: Grant
    Filed: February 25, 2021
    Date of Patent: November 15, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Epher Mendoza, Adam Axe
  • Publication number: 20210182816
    Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
    Type: Application
    Filed: February 25, 2021
    Publication date: June 17, 2021
    Inventors: Michael Martel SPRATT, Rahul DESHPANDE, Akeda HOSTEN, Stewart BOLING, Epher MENDOZA, Adam AXE
  • Patent number: 10672002
    Abstract: Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.
    Type: Grant
    Filed: January 30, 2017
    Date of Patent: June 2, 2020
    Assignee: MasterCard International Incorporated
    Inventors: Epher Mendoza, Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Adam Axe
  • Publication number: 20180218345
    Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.
    Type: Application
    Filed: January 28, 2017
    Publication date: August 2, 2018
    Inventors: Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Epher Mendoza, Adam Axe
  • Publication number: 20180218367
    Abstract: Embodiments of the disclosure enable permission to be obtained using nonvisual communication. A system receives a request for authorization of a transaction, identifies an account based on user identifier data included in the request, establishes a communication link with a user device associated with the user account, generates a prompt message identifying a merchant and a transaction amount associated with merchant identifier data and transaction data included in the request, analyze the prompt message to generate a prompt audibly perceivable at the user device, analyze a speech reply received from the user device to generate a feedback message, and analyze the feedback message to determine whether permission to authorize the transaction is obtained. Aspects of the disclosure provide for authorizing a transaction in a secure and user-friendly manner.
    Type: Application
    Filed: January 30, 2017
    Publication date: August 2, 2018
    Inventors: Epher Mendoza, Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Adam Axe