Patents by Inventor Brian Ducharme

Brian Ducharme 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).

  • Patent number: 10776764
    Abstract: A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to register a payor with a disbursement service provided by the DM computer device and to receive a disbursement command from the payor. The disbursement command instructs a disbursement to be made to a payee and includes payee contact information, payee verification data, and a disbursement amount. The processor is further programmed to receive a disbursement request message that includes a payee identifier from the payee requesting that the disbursement be made, and to verify the payee by matching the payee identifier to the payee verification data. The processor is further programmed to electronically transfer funds from a bank account associated with the payor to a bank account associated with the payee.
    Type: Grant
    Filed: October 8, 2018
    Date of Patent: September 15, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Deborah Kimberg, Shawn Hagmeier, Brian DuCharme
  • Publication number: 20190043028
    Abstract: A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to register a payor with a disbursement service provided by the DM computer device and to receive a disbursement command from the payor. The disbursement command instructs a disbursement to be made to a payee and includes payee contact information, payee verification data, and a disbursement amount. The processor is further programmed to receive a disbursement request message that includes a payee identifier from the payee requesting that the disbursement be made, and to verify the payee by matching the payee identifier to the payee verification data. The processor is further programmed to electronically transfer funds from a bank account associated with the payor to a bank account associated with the payee.
    Type: Application
    Filed: October 8, 2018
    Publication date: February 7, 2019
    Inventors: Deborah Kimberg, Shawn Hagmeier, Brian DuCharme
  • Patent number: 10096008
    Abstract: A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to register a payor with a disbursement service provided by the DM computer device and to receive a disbursement command from the payor. The disbursement command instructs a disbursement to be made to a payee and includes payee contact information, payee verification data, and a disbursement amount. The processor is further programmed to receive a disbursement request message that includes a payee identifier from the payee requesting that the disbursement be made, and to verify the payee by matching the payee identifier to the payee verification data. The processor is further programmed to electronically transfer funds from a bank account associated with the payor to a bank account associated with the payee.
    Type: Grant
    Filed: September 10, 2012
    Date of Patent: October 9, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Deborah Kimberg, Shawn Hagmeier, Brian DuCharme
  • Publication number: 20140108233
    Abstract: A system, method, and computer-readable storage medium configured to facilitate electronic payments through social networks.
    Type: Application
    Filed: October 12, 2012
    Publication date: April 17, 2014
    Applicant: MASTERCARD INTERNATIONAL INC.
    Inventors: Seçkin Yilgören, Erdem Çakar, Brian DuCharme, Asya Vitanova, Nisrine Labcir, James George Gallagher, Karl Ingram, Stephen Whitney
  • Publication number: 20030177028
    Abstract: A system and methods for enabling access to one or more accounts associated with a Mobile Directory Number (MDN), wherein transactional tasks may be enacted, are disclosed. Such a system includes a server coupled to receive an input transaction request from a user through a point-of-entry device and coupled to a database that corresponds the MDN to the logical address of a user account. The server includes a processor for accessing the database to identify the logical address of the MDN-associated account. A method for using the system is also disclosed in which a user enacts a transaction with an account associated with an MDN. The method includes obtaining the MDN and transaction request from a point of entry device, identifying the account using a database that corresponds MDN with account logical address, and enacting the requested transaction on the identified account using access information obtained from the database.
    Type: Application
    Filed: March 6, 2003
    Publication date: September 18, 2003
    Inventors: John Cooper, Thomas Erskine, Brian Ducharme, Fritz von Mering, Dennis Turri