Patents by Inventor Christopher Marczyk

Christopher Marczyk 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 reduced cost debit processing
    Patent number: 6847947
    Abstract: A method is provided for processing debit transactions at the lowest cost available. The method is comprised of the following steps: providing a merchant identification number and an account number BIN file to a debit processing center; matching the merchant identification number against at least one merchant database at the debit processing center; providing a merchant network list from the at least one merchant database based upon the match of the merchant identification number; providing a customer network list from the at least one merchant database based upon the match of customer identification number; creating a merchant-customer network list by matching at least one common element from the merchant network list and the customer network list. Next the system determines the validity for each common element of the merchant-customer network list and eliminates each invalid common element from the merchant-customer network list.
    Type: Grant
    Filed: January 18, 2000
    Date of Patent: January 25, 2005
    Assignee: First Data Corporation
    Inventors: David Gregg Kambour, Christopher Marczyk, William Anthony Myers