Patents by Inventor Dave Wentker
Dave Wentker 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).
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Patent number: 11138607Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: GrantFiled: September 18, 2017Date of Patent: October 5, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Publication number: 20180322487Abstract: A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.Type: ApplicationFiled: July 17, 2018Publication date: November 8, 2018Inventors: Gavin Shenker, Dave Wentker, Douglas Deibert, Erick Wong
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Patent number: 10057085Abstract: A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.Type: GrantFiled: January 9, 2008Date of Patent: August 21, 2018Assignee: VISA U.S.A. INC.Inventors: Dave Wentker, Erick Wong, Gavin Shenker, Doug Deibert
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Publication number: 20180005233Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: ApplicationFiled: September 18, 2017Publication date: January 4, 2018Inventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Patent number: 9799031Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: GrantFiled: December 18, 2012Date of Patent: October 24, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Patent number: 8989712Abstract: System, methods, and apparatus provide account balance alerts for a mobile phone used to initiate a transaction when an account balance is close to a credit limit or close to zero or a minimum balance amount. When a consumer uses an account associated with a mobile phone to make a purchase, the account is checked to see if the purchase would result in an account balance within a predetermined threshold of the credit limit in the case of a credit account, or within a predetermined threshold of zero or a minimum balance, in the case of a debit account. If the threshold has been surpassed an account balance alert is automatically sent to the mobile phone. Since the mobile phone was just used for the transaction, the consumer is timely notified of the approach of the balance to the credit/debit limit and can take corrective action in a timely manner.Type: GrantFiled: January 9, 2008Date of Patent: March 24, 2015Assignee: Visa U.S.A. Inc.Inventors: Dave Wentker, Doug Deibert, Gavin Shenker, Erick Wong
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Patent number: 8923827Abstract: A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.Type: GrantFiled: January 9, 2008Date of Patent: December 30, 2014Assignee: Visa U.S.A. Inc.Inventors: Dave Wentker, Erick Wong, Gavin Shenker, Doug Deibert
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Publication number: 20130212018Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: ApplicationFiled: December 18, 2012Publication date: August 15, 2013Inventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Patent number: 8364593Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: GrantFiled: June 29, 2010Date of Patent: January 29, 2013Assignee: Visa International Service AssociationInventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Publication number: 20110016051Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.Type: ApplicationFiled: June 29, 2010Publication date: January 20, 2011Inventors: Greg Trifiletti, Olivier Brand, Mike Lindelsee, James Dimmick, Dave Wentker
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Publication number: 20080167961Abstract: A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.Type: ApplicationFiled: January 9, 2008Publication date: July 10, 2008Inventors: Dave Wentker, Erick Wong, Gavin Shenker, Doug Deibert
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Publication number: 20080167017Abstract: A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.Type: ApplicationFiled: January 9, 2008Publication date: July 10, 2008Inventors: Dave Wentker, Erick Wong, Gavin Shenker, Doug Deibert
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Publication number: 20080167000Abstract: System, methods, and apparatus provide account balance alerts for a mobile phone used to initiate a transaction when an account balance is close to a credit limit or close to zero or a minimum balance amount. When a consumer uses an account associated with a mobile phone to make a purchase, the account is checked to see if the purchase would result in an account balance within a predetermined threshold of the credit limit in the case of a credit account, or within a predetermined threshold of zero or a minimum balance, in the case of a debit account. If the threshold has been surpassed an account balance alert is automatically sent to the mobile phone. Since the mobile phone was just used for the transaction, the consumer is timely notified of the approach of the balance to the credit/debit limit and can take corrective action in a timely manner.Type: ApplicationFiled: January 9, 2008Publication date: July 10, 2008Applicant: Visa U.S.A. Inc.Inventors: Dave Wentker, Doug Deibert, Gavin Shenker, Erick Wong