Patents by Inventor David Stephen Richey

David Stephen Richey 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).

  • System, method, and computer program product for stand-in processing
    Patent number: 11195176
    Abstract: Provided is a computer-implemented method, system, and computer program product for stand-in processing. The method includes receiving a transaction request message corresponding to a transaction, the transaction request message including a transaction value and an account identifier, determining whether to process the transaction request message as a stand-in transaction based at least partially on the transaction request message, in response to determining to process the transaction request message as a stand-in transaction, determining an account capacity corresponding to the account identifier, determining whether to authorize the stand-in transaction based at least partially on the transaction value and the account capacity, and in response to determining to authorize the stand-in transaction, completing the stand-in transaction. A system and computer program product are also disclosed.
    Type: Grant
    Filed: August 8, 2018
    Date of Patent: December 7, 2021
    Assignee: Visa International Service Association
    Inventors: Michele Lauren Banks Larsen, David Stephen Richey
  • System, Method, and Computer Program Product for Stand-In Processing
    Publication number: 20190066105
    Abstract: Provided is a computer-implemented method, system, and computer program product for stand-in processing. The method includes receiving a transaction request message corresponding to a transaction, the transaction request message including a transaction value and an account identifier, determining whether to process the transaction request message as a stand-in transaction based at least partially on the transaction request message, in response to determining to process the transaction request message as a stand-in transaction, determining an account capacity corresponding to the account identifier, determining whether to authorize the stand-in transaction based at least partially on the transaction value and the account capacity, and in response to determining to authorize the stand-in transaction, completing the stand-in transaction. A system and computer program product are also disclosed.
    Type: Application
    Filed: August 8, 2018
    Publication date: February 28, 2019
    Inventors: Michele Lauren Banks Larsen, David Stephen Richey