Patents by Inventor Brad K. Winking

Brad K. Winking 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).

  • METHOD AND SYSTEM FOR PROCESSING CREDIT CARD PAYMENTS
    Publication number: 20170278079
    Abstract: A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.
    Type: Application
    Filed: March 27, 2017
    Publication date: September 28, 2017
    Applicant: First Data Corporation
    Inventors: Brad K. Winking, David J. DeLawter, John M. Patton
  • Method and system for processing credit card payments
    Publication number: 20030167231
    Abstract: A system for processing credit card payments is provided. According to one aspect of the system, a client is able to submit payment transactions in different formats for processing. Depending on the submission format, the payment transaction can be processed by either a batch process or a right-time process. The right-time process processes the payment transaction in real-time upon submission thereby allowing the corresponding credit account to be updated in a more timely manner. In particular, the right-time process adjusts the available credit relative to the corresponding credit account in a real-time manner so that the available credit closely tracks or reflects payments made to the credit account.
    Type: Application
    Filed: March 4, 2002
    Publication date: September 4, 2003
    Applicant: First Data Corporation
    Inventors: Brad K. Winking, David J. DeLawter, John M. Patton