Patents by Inventor Craig Robert Dinsmore

Craig Robert Dinsmore 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).

  • Methods and systems for mitigating fraud losses during a payment card transaction
    Patent number: 9858571
    Abstract: Computer systems and methods for identifying a potentially fraudulent payment card transaction in progress, and mitigating losses arising from completion of a fraudulent payment card transaction are provided. The computer system is programmed to receive an authorization request message for authorization of a payment card-initiated transaction, when the transaction is initiated using a payment card that includes a first security device operable for transactions initiated within a predefined geographic region and a second security device operable for transactions initiated both within the predefined geographic region and outside of the predefined geographic region.
    Type: Grant
    Filed: January 2, 2013
    Date of Patent: January 2, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Frederick Michael Pacher, Craig Robert Dinsmore, Eoin Patrick Flood, Mikhail Blinov
  • METHOD AND SYSTEM FOR APPLYING SPENDING LIMITS TO PAYMENT ACCOUNTS INVOLVING INSTALLMENT TRANSACTIONS
    Publication number: 20150019426
    Abstract: A method for identifying a spending budget for a payment account includes: storing, in an account database, a plurality of account data entries, each account data entry including at least an account identifier and a base monthly spending limit; storing, in an installment database, a plurality of installment data entries, each installment data entry including at least an account identifier and an installment amount; identifying, for a specific account data entry in the account database, at least one installment data entry where the included account identifier corresponds to the account identifier of the specific account data entry; calculating an effective monthly spending limit based on the base monthly spending limit and the installment amount included in each of the identified at least one installment data entry; and associating, in the account database, the calculated effective monthly spending limit with the specific account data entry.
    Type: Application
    Filed: July 12, 2013
    Publication date: January 15, 2015
    Applicant: MasterCard International Incorporated
    Inventors: Frederick Michael Pacher, Ana Paula Martinez Prada Peyser, Michael D. McCarthy, Flavio Shibao, Craig Robert Dinsmore, Mary Margaret Williams
  • METHODS AND SYSTEMS FOR MITIGATING FRAUD LOSSES DURING A PAYMENT CARD TRANSACTION
    Publication number: 20140188723
    Abstract: Computer systems and methods for identifying a potentially fraudulent payment card transaction in progress, and mitigating losses arising from completion of a fraudulent payment card transaction are provided. The computer system is programmed to receive an authorization request message for authorization of a payment card-initiated transaction, when the transaction is initiated using a payment card that includes a first security device operable for transactions initiated within a predefined geographic region and a second security device operable for transactions initiated both within the predefined geographic region and outside of the predefined geographic region.
    Type: Application
    Filed: January 2, 2013
    Publication date: July 3, 2014
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Frederick Michael Pacher, Craig Robert Dinsmore, Eoin Patrick Flood, Mikhail Blinov