Patents by Inventor Bengt Horsma
Bengt Horsma 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: 20230206234Abstract: Systems and method are provided for sharing access to a resource. A computing device may receive a request to share access to a resource that includes a user identifier. The computing device may generate a sharetoken that is linked to the resource and provides a limited access credential to access to the resource. The computing device may facilitate transmission of a provisioning link to a device associated with the user identifier. In response to the provisioning link being executed by the device associated with the user identifier, the computing device may transmit the sharetoken. The sharetoken may be stored in an application configured to access the resource using the sharetoken.Type: ApplicationFiled: June 13, 2022Publication date: June 29, 2023Inventors: Carolee Coker, Bengt Horsma
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Patent number: 10783514Abstract: According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.Type: GrantFiled: October 10, 2007Date of Patent: September 22, 2020Assignee: Mastercard International IncorporatedInventors: Simon Phillips, Bengt Horsma, Duncan Garrett, David A. Roberts
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Publication number: 20190108541Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: ApplicationFiled: October 12, 2018Publication date: April 11, 2019Applicant: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Patent number: 10102538Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: GrantFiled: August 4, 2016Date of Patent: October 16, 2018Assignee: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Publication number: 20160343015Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: ApplicationFiled: August 4, 2016Publication date: November 24, 2016Applicant: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Patent number: 9460447Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: GrantFiled: January 2, 2014Date of Patent: October 4, 2016Assignee: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Publication number: 20140195318Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: ApplicationFiled: January 2, 2014Publication date: July 10, 2014Applicant: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Patent number: 8650071Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: GrantFiled: May 10, 2010Date of Patent: February 11, 2014Assignee: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Publication number: 20110276378Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.Type: ApplicationFiled: May 10, 2010Publication date: November 10, 2011Applicant: First Data CorporationInventors: Barry F. Pointer, Dominic Morea, Bengt Horsma, Christopher Wuhrer, Jerome Myers, Michelangelo R. Ho, Sarah Owen
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Publication number: 20090100511Abstract: According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.Type: ApplicationFiled: October 10, 2007Publication date: April 16, 2009Inventors: Simon Phillips, Bengt Horsma, Duncan Garrett, David A. Roberts
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Publication number: 20080133350Abstract: Systems, methods, apparatus, means and computer program code for points redemption are provided, including receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, the authorization request message including data identifying a payment account identifier, a purchase amount, and a request from a customer to redeem reward points for at least a portion of the purchase amount; determining that the customer has sufficient reward points for the at least a portion of the purchase amount; calculating an updated purchase amount reduced by at least a portion of the purchase amount; and transmitting an authorization response message including the updated purchase amount to the point of transaction to complete the purchase transaction.Type: ApplicationFiled: October 24, 2007Publication date: June 5, 2008Inventors: Brigette White, Andrea Gilman, Burnett Hunter, Sara Fiebiger, Dennis J. Hill, Bengt Horsma
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Publication number: 20080133351Abstract: Systems, methods, apparatus, means and computer program code are provided including receiving, from a point of interaction, an authorization request message identifying a requested purchase transaction, the authorization request message including data identifying a payment account identifier and a purchase amount; determining that the payment account identifier is eligible for a reward and selecting a reward message associated with the reward; and transmitting an authorization response message including the reward message to the point of interaction for display to an account holder.Type: ApplicationFiled: October 24, 2007Publication date: June 5, 2008Inventors: Brigette White, Andrea Gilman, Burnett Hunter, Sara Fiebiger, Dennis J. Hill, Bengt Horsma