Patents by Inventor Brigette White
Brigette White 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: 9846888Abstract: Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates.Type: GrantFiled: August 25, 2014Date of Patent: December 19, 2017Assignee: MasterCard International IncorporatedInventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana
-
Publication number: 20160335641Abstract: Enhanced payment card account methods and systems. In an embodiment, a fraud scoring platform receives purchase transaction information and an associated decline decision generated by an issuer financial institution (FI) for a purchase transaction involving an enhanced payment card account. The fraud scoring platform then formulates a recommended decision score, determines that it is below a risk threshold, and transmits a purchase transaction authorization message to a payment network. Later, the fraud scoring platform receives a fraud message that the authorized purchase transaction of the enhanced payment card account is fraudulent, and then transmits instructions to transfer a monetary amount from a fraud expense pool to reimburse the issuer FI for costs associated with the fraudulent purchase transaction.Type: ApplicationFiled: May 13, 2016Publication date: November 17, 2016Inventors: Brigette White, Theunis Johannes Gerber, Julia Gosset
-
Publication number: 20150221028Abstract: Methods, systems and computer readable media for determining an interchange tier to apply to individual payment card accounts. In an embodiment, a payment card system operator computer establishes scoring rules and at least two interchange tiers to associate with payment card accounts, transmits the scoring rules to at least one issuer, receives payment card account data, and scores each of the plurality of individual payment card accounts, and scores each of the payment card accounts according to the scoring rules. The process also includes assigning an interchange tier to each of the plurality of individual payment card accounts in accordance with the scoring, and storing information indicating the interchange tier associated with each of the plurality of individual payment card accounts for use during purchase transactions in a tier and scoring database.Type: ApplicationFiled: April 17, 2015Publication date: August 6, 2015Inventors: Brigette White, Denise Torreyson, Steven J. Jonas
-
Publication number: 20150032629Abstract: A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.Type: ApplicationFiled: August 4, 2014Publication date: January 29, 2015Inventors: Brigette White, Michael Ameiss
-
Publication number: 20140365289Abstract: Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates.Type: ApplicationFiled: August 25, 2014Publication date: December 11, 2014Inventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana
-
Patent number: 8799153Abstract: A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.Type: GrantFiled: May 23, 2011Date of Patent: August 5, 2014Assignee: MasterCard International IncorporatedInventors: Brigette White, Michael Ameiss
-
Patent number: 8170952Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system using a handheld electronic device, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated, a payment card is activated, and a result of the determination to issue is sent to the handheld electronic device.Type: GrantFiled: August 3, 2011Date of Patent: May 1, 2012Assignee: JP Morgan Chase BankInventors: Brigette A. White, Ronald Levinson, Mohit Sabharwal
-
Publication number: 20110302080Abstract: Systems, methods, apparatus, computer program code, and means for processing transactions are provided which include receiving transaction data associated with a payment transaction, said transaction data including a payment account identifier, the payment account identifier identifying a payment account, determining a value score associated with the payment account identifier, determining, based on the value score, an interchange tier associated with the payment account identifier, and providing an indication of the interchange tier to a clearing and settlement process involving the payment account identifier.Type: ApplicationFiled: June 3, 2011Publication date: December 8, 2011Inventors: Brigette White, Denise Torreyson, Steven J. Jonas
-
Publication number: 20110295745Abstract: A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.Type: ApplicationFiled: May 23, 2011Publication date: December 1, 2011Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Brigette White, Michael Ameiss
-
Publication number: 20110288990Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system using a handheld electronic device, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application.Type: ApplicationFiled: August 3, 2011Publication date: November 24, 2011Inventors: Brigette A. White, Ronald Levinson, Mohit Sabharwal
-
Patent number: 8027914Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.Type: GrantFiled: January 5, 2010Date of Patent: September 27, 2011Assignee: JP Morgan Chase BankInventors: Brigette A. White, Ronald Levinson, Mohit Sabharwal
-
Publication number: 20100312620Abstract: Methods, apparatus, systems, computer program product and medium for use in association with relationship rewards programs are provided.Type: ApplicationFiled: May 23, 2008Publication date: December 9, 2010Inventors: Brigette White, Andrea Gilman, Sara E. Fiebiger
-
Publication number: 20100191594Abstract: A reward processing method, system, apparatus, and computer program code is provided. Pursuant to some embodiments, the method includes analyzing transaction data associated with a plurality of payment transactions, each payment transaction including data identifying a payment account identifier, a transaction date, a transaction amount, and a merchant identifier, and identifying a first set of the payment transactions involving registered payment account identifiers. A second set of payment transactions involving a registered merchant identifier and a current offer are identified, and a reward amount earned for each of the second set is calculated. The reward amount is credited to each of the payment account identifiers in the second set.Type: ApplicationFiled: July 31, 2009Publication date: July 29, 2010Inventors: Brigette White, Randy Jeffrey Schafer, Raegen A. Lang, Brenda Daugherty Ellis
-
Publication number: 20100114758Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.Type: ApplicationFiled: January 5, 2010Publication date: May 6, 2010Inventors: Brigette A. White, Ronald Levinson, Mohit Sabharwal
-
Patent number: 7668777Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.Type: GrantFiled: July 23, 2004Date of Patent: February 23, 2010Assignee: JP Morgan Chase BankInventors: Brigette A. White, Ronald Levinson, Mohit Sabharwal
-
Publication number: 20080255940Abstract: A method includes receiving data that represents purchase transactions received from acquirer financial institutions. The method further includes identifying, from the received data, purchase transactions that qualify for customer rebates. The method further includes transmitting rebate data to certain ones of the acquirer financial institutions. The rebate data identifies the purchase transactions that qualify for customer rebates.Type: ApplicationFiled: December 19, 2007Publication date: October 16, 2008Inventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana
-
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
-
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
-
Publication number: 20050097036Abstract: A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.Type: ApplicationFiled: July 23, 2004Publication date: May 5, 2005Inventors: Brigette White, Ronald Levinson, Mohit Sabharwal