Patents by Inventor Dennis Kettler

Dennis Kettler 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).

  • Publication number: 20220051203
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Application
    Filed: October 27, 2021
    Publication date: February 17, 2022
    Inventors: Dennis A. KETTLER, Ryan CLAPP
  • Publication number: 20220044216
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Application
    Filed: October 27, 2021
    Publication date: February 10, 2022
    Inventors: Dennis A. KETTLER, Ryan CLAPP
  • Patent number: 11232418
    Abstract: A payment system reduces transaction costs for online merchants. The payment system receives a transaction amount for the purchase of goods or services by a consumer from an online merchant. The payment system receives bank identification numbers for a plurality of accounts of the consumer that could be used by the consumer to pay for the good or services. The payment system determines transaction costs associated with processing a payment transaction with an acquirer processor using each of the consumer accounts. The payment system determines a recommended consumer account to use for the purchase of the good or services based at least in part on the transaction costs. Tender steering information is generated and sent to the consumer. Tender steering information includes the recommended consumer account information and one or more incentives to incentivize the consumer to use the recommended consumer account for the payment of the goods or services.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: January 25, 2022
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Scott Wayne DeAngelo
  • Publication number: 20220020057
    Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.
    Type: Application
    Filed: September 30, 2021
    Publication date: January 20, 2022
    Inventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
  • Patent number: 11222317
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Grant
    Filed: April 22, 2020
    Date of Patent: January 11, 2022
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Ryan Clapp
  • Patent number: 11216789
    Abstract: A method for routing electronic payment transactions includes receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, dynamically identifying one or more eligible payment networks based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each identified network based on the transaction-related information, dynamically identifying one or more breakeven transaction amounts for each identified eligible payment network, each breakeven transaction amount defining a point at which two or more eligible payment networks have the same expenses for a given transaction amount, the expenses including costs associated with a low predicted likelihood of authorization acceptance, and routing signature debit transactions from the merchant to a least cost PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount f
    Type: Grant
    Filed: April 22, 2020
    Date of Patent: January 4, 2022
    Assignee: Worldpay, LLC
    Inventors: Dennis A. Kettler, Ryan Clapp
  • Patent number: 11200597
    Abstract: Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified.
    Type: Grant
    Filed: January 7, 2016
    Date of Patent: December 14, 2021
    Assignee: Worldpay, LLC
    Inventors: Scott Wayne DeAngelo, Brent Alan Badger, Jacob Matthew Sterling, Dennis A. Kettler
  • Publication number: 20210357943
    Abstract: A method for establishing fraud detection system for payment card transactions associated with an individual or a household by analyzing the online or in-store transaction against fraud detection individual profile. Generating the individual profile involves retrieving transaction data and identifying information associated with transaction authorization request, searching for another payment card using the identifying information, aggregating payment cards transaction data, generating profile data for an individual according to identifying information, transaction data, and any reported fraudulent activities under the payment cards, analyzing the transaction against the profile data to determine whether the transaction is a fraudulent activity, and providing a notification to financial institutions reporting any fraudulent activities.
    Type: Application
    Filed: July 30, 2021
    Publication date: November 18, 2021
    Inventors: Nicole S. JASS, David MATTEI, Dennis KETTLER
  • Publication number: 20210279747
    Abstract: Systems and methods are disclosed for tracking consumer spend behavior to predict attrition. One method includes: receiving past transaction data related to a plurality of past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions of the consumer; determining a spend behavior model of the consumer; subsequent to determining the spend behavior model of the consumer, receiving transaction data related to one or more current payment transactions of the consumer; receiving environmental and/or behavioral data associated with the one or more current payment transactions; determining, based on an analysis of the current transaction data and environmental and/or behavioral data associated with each of the current payment transactions, a current spend behavior of the consumer; and determining, based on a comparison of the current spend behavior with the spend behavior model, the likelihood of an attrition of the current spend behavior.
    Type: Application
    Filed: May 26, 2021
    Publication date: September 9, 2021
    Inventors: Brent BADGER, Dennis KETTLER
  • Patent number: 11107083
    Abstract: A method for establishing fraud detection system for payment card transactions associated with an individual or a household by analyzing the online or in-store transaction against fraud detection individual profile. Generating the individual profile involves retrieving transaction data and identifying information associated with transaction authorization request, searching for another payment card using the identifying information, aggregating payment cards transaction data, generating profile data for an individual according to identifying information, transaction data, and any reported fraudulent activities under the payment cards, analyzing the transaction against the profile data to determine whether the transaction is a fraudulent activity, and providing a notification to financial institutions reporting any fraudulent activities.
    Type: Grant
    Filed: November 29, 2017
    Date of Patent: August 31, 2021
    Assignee: Worldpay, LLC
    Inventors: Nicole S. Jass, David Mattei, Dennis Kettler
  • Publication number: 20210241295
    Abstract: Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions.
    Type: Application
    Filed: April 21, 2021
    Publication date: August 5, 2021
    Inventors: Brent BADGER, Dennis KETTLER
  • Publication number: 20210241306
    Abstract: A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.
    Type: Application
    Filed: April 23, 2021
    Publication date: August 5, 2021
    Inventors: Scott Wayne DeANGELO, Dennis A. KETTLER, Sayid SHABEER
  • Publication number: 20210217012
    Abstract: Systems and methods are for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation.
    Type: Application
    Filed: March 26, 2021
    Publication date: July 15, 2021
    Inventors: Dennis A. KETTLER, Scott Wayne DeANGELO
  • Publication number: 20210209637
    Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.
    Type: Application
    Filed: March 18, 2021
    Publication date: July 8, 2021
    Inventors: Brent BADGER, Dennis KETTLER
  • Patent number: 11049121
    Abstract: Systems and methods are disclosed for tracking consumer spend behavior to predict attrition. One method includes: receiving past transaction data related to a plurality of past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions of the consumer; determining a spend behavior model of the consumer; subsequent to determining the spend behavior model of the consumer, receiving transaction data related to one or more current payment transactions of the consumer; receiving environmental and/or behavioral data associated with the one or more current payment transactions; determining, based on an analysis of the current transaction data and environmental and/or behavioral data associated with each of the current payment transactions, a current spend behavior of the consumer; and determining, based on a comparison of the current spend behavior with the spend behavior model, the likelihood of an attrition of the current spend behavior.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: June 29, 2021
    Assignee: WORLDPAY, LLC
    Inventors: Brent Badger, Dennis Kettler
  • Patent number: 11023909
    Abstract: Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: June 1, 2021
    Assignee: WORLDPAY, LLC
    Inventors: Brent Badger, Dennis Kettler
  • Patent number: 11017427
    Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: May 25, 2021
    Assignee: WORLDPAY, LLC
    Inventors: Brent Badger, Dennis Kettler
  • Patent number: 11017421
    Abstract: A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.
    Type: Grant
    Filed: November 22, 2016
    Date of Patent: May 25, 2021
    Assignee: Worldpay, LLC
    Inventors: Scott Wayne DeAngelo, Dennis Kettler, Sayid Shabeer
  • Patent number: 10990972
    Abstract: Systems and methods are for routing electronic payment transactions to PIN-less networks using payment pseudo-networks and electronic transaction simulation.
    Type: Grant
    Filed: December 19, 2016
    Date of Patent: April 27, 2021
    Assignee: Worldpay, LLC
    Inventors: Dennis Kettler, Scott Wayne DeAngelo
  • Publication number: 20210081967
    Abstract: Systems and methods are disclosed for generating consumer analytics for products placed in online shopping carts. A profiler computing system generates a unique tacking profile for associating purchase events by a purchaser. Payment vehicle data and a tracking element are associated with the identified purchaser profile. The purchaser profile may be generated based on purchase information associated with an initial purchase event by the purchaser. The profiler computing system determines whether products abandoned in online shopping carts are purchased at brick-and-mortar affiliates or other merchant forums. Other embodiments are described and claimed.
    Type: Application
    Filed: November 25, 2020
    Publication date: March 18, 2021
    Inventors: Nicole JASS, Dennis KETTLER