Patents by Inventor Antonia Stroeh
Antonia Stroeh 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: 20210327551Abstract: Biometrically-linked electronic proof of health status of an individual. In one embodiment, an electronic device including a biometric capture circuitry, a memory, and an electronic processor. The biometric capture circuitry configured to capture one or more biometrics of the individual. The electronic processor is configured to receive the one or more biometrics of the individual that are captured by the biometric capture circuitry, generate a biometric token of the individual based on the one or more biometrics, receive information indicative of a health status of the individual, link the information indicative of the health status of the individual to the biometric token, and control the memory to store the biometric token and the information indicative of the health status of the individual that is linked to the biometric token.Type: ApplicationFiled: April 9, 2021Publication date: October 21, 2021Inventors: Raman Narayanswamy, Przemek Praszczalek, Antonia Stroeh, Paul Michael Musser, Shashi Raghunandan
-
Patent number: 10621567Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.Type: GrantFiled: July 1, 2015Date of Patent: April 14, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATIONInventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento, Wayne Molitor, Peter J. Flor
-
Patent number: 10535067Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.Type: GrantFiled: July 1, 2015Date of Patent: January 14, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento, Wayne Molitor, Peter J. Flor
-
Patent number: 10311413Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.Type: GrantFiled: July 1, 2015Date of Patent: June 4, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento
-
Publication number: 20170004467Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special IOU approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction after expiration of a grace period from a time of the authorization request, regardless of whether funds are available for an account associated with the payment transaction. The grace period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the grace period.Type: ApplicationFiled: July 1, 2015Publication date: January 5, 2017Inventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento, Wayne Molitor, Peter J. Flor
-
Publication number: 20170004498Abstract: An authorization request for a payment transaction is obtained, from a given one of a plurality of billers, over a payment network having a standard clearing and settlement time period. Via the payment network, a special incremental payments approval authorization request response to the authorization request for the payment transaction is passed, indicating that the given one of the plurality of billers will be paid in connection with the payment transaction in a plurality of incremental payments made in time increments over a selected time period following the authorization request, optionally regardless of whether funds are available for an account associated with the payment transaction. The selected time period is longer than the standard clearing and settlement time period. The payment transaction is not settled until expiration of the selected time period.Type: ApplicationFiled: July 1, 2015Publication date: January 5, 2017Inventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento, Wayne Molitor, Peter J. Flor
-
Publication number: 20170004463Abstract: A plurality of billers are enrolled in a by-item bill payment program. An invoice is obtained from a given one of said billers, including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by a first payor. The invoice is modified, based at least in part on said enrolling step, to generate at least one modified invoice including multiple charges corresponding to at least one of goods and services purchased from the given one of said billers by said first payor, the multiple charges being handled under different payment terms. The at least one modified invoice is sent to said first payor; payment from said first payor is obtained; and the obtained payment is allocated. A specific exemplary software architecture for implementing the method is also disclosed.Type: ApplicationFiled: July 1, 2015Publication date: January 5, 2017Inventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento
-
Publication number: 20170004468Abstract: A method includes the steps of: enrolling a plurality of billers and a plurality of payors in a multiple payor bill payment program; receiving an invoice from a given one of the billers, the invoice being generated in response to an order for goods and/or services initiated by at least one of the payors; splitting the invoice into multiple parts according to prescribed rules corresponding to each of a subset of the payors associated with the order; sending the multiple parts of the invoice to the subset of the payors associated with the order; receiving payments from the subset of the plurality of payors associated with the order; and sending the payments to the given one of the billers.Type: ApplicationFiled: July 1, 2015Publication date: January 5, 2017Inventors: Antonia Stroeh, John Doherty, Alexis Suberville, Holliday Haynes, Stephen Parento