Patents by Inventor Derek A. Vroom

Derek A. Vroom 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).

  • Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
    Patent number: 10489754
    Abstract: A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party.
    Type: Grant
    Filed: November 11, 2014
    Date of Patent: November 26, 2019
    Assignee: Visa International Service Association
    Inventors: Daniel Eisen Fineman, Christopher Magpayo, Ann T. Wang Reed, Derek A. Vroom, Vaishali Rao
  • Systems and methods to provide messages in real-time with transaction processing
    Patent number: 10339554
    Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: March 16, 2016
    Date of Patent: July 2, 2019
    Assignee: Visa International Service Association
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • SYSTEMS AND METHODS TO PROVIDE MESSAGES IN REAL-TIME WITH TRANSACTION PROCESSING
    Publication number: 20160196572
    Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Application
    Filed: March 16, 2016
    Publication date: July 7, 2016
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Systems and methods to provide messages in real-time with transaction processing
    Patent number: 9324088
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: February 25, 2013
    Date of Patent: April 26, 2016
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • SYSTEMS AND METHODS TO FACILITATE THE REDEMPTION OF OFFER BENEFITS IN A FORM OF THIRD PARTY STATEMENT CREDITS
    Publication number: 20150134528
    Abstract: A system and method configured to provide a mechanism allowing a third party, not involved in a payment transaction made between a merchant and a payment account, to provide a credit to the payment account as an offer benefit redeemed in view of the payment transaction. The mechanism includes a transaction handler of a payment processing network configured to provide transaction information relevant to the offer to the third party.
    Type: Application
    Filed: November 11, 2014
    Publication date: May 14, 2015
    Inventors: Daniel Eisen Fineman, Christopher Magpayo, Ann T. Wang Reed, Derek A. Vroom, Vaishali Rao
  • Systems and methods to provide messages in real-time with transaction processing
    Patent number: 8407148
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: October 19, 2011
    Date of Patent: March 26, 2013
    Assignee: Visa U.S.A. Inc.
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Systems and methods to provide messages in real-time with transaction processing
    Patent number: 8359274
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Grant
    Filed: June 2, 2011
    Date of Patent: January 22, 2013
    Assignee: Visa International Service Association
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Systems and Methods to Provide Messages in Real-Time with Transaction Processing
    Publication number: 20120109730
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Application
    Filed: October 19, 2011
    Publication date: May 3, 2012
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
  • Systems and Methods to Provide Messages in Real-Time with Transaction Processing
    Publication number: 20110302011
    Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
    Type: Application
    Filed: June 2, 2011
    Publication date: December 8, 2011
    Applicant: VISA U.S.A. INC.
    Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston