Patents by Inventor Diane C. Salmon
Diane C. Salmon 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: 11887093Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: April 9, 2021Date of Patent: January 30, 2024Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Patent number: 11640621Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.Type: GrantFiled: April 14, 2022Date of Patent: May 2, 2023Assignee: Visa International Service AssociationInventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
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Publication number: 20220237649Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.Type: ApplicationFiled: April 14, 2022Publication date: July 28, 2022Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
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Patent number: 11328315Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.Type: GrantFiled: April 23, 2018Date of Patent: May 10, 2022Assignee: Visa International Service AssociationInventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
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Publication number: 20210295297Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: April 9, 2021Publication date: September 23, 2021Inventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Patent number: 11074617Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.Type: GrantFiled: January 6, 2017Date of Patent: July 27, 2021Assignee: Visa International Service AssociationInventors: Ajit Vilasrao Patil, Santosh Lachhman Achhra, Martin Enriquez, Sukalyan Chakraborty, Varun Sharma, Satyanarayan Belur, Diane C. Salmon, Michael Lemberger, Kelvan Howard
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Patent number: 11004052Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: August 20, 2019Date of Patent: May 11, 2021Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Leigh Amaro, Meara Day
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Patent number: 10650398Abstract: Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption, including a portal configured to communicate with transaction terminals, reward hosts and issues processors. In response to a reward balance inquiry from a transaction terminal, the portal communicates with a respective reward host to obtain the balance, communicates with an issuer processor to obtain a one-time use account number, and provides the transaction terminal with the balance and the account number. The transaction terminal an authorization request for a payment transaction made using the account number. In response to the authorization request being received in the issuer processor, the portal communicates with the issuer processor to identify the payment transaction and communicates with the reward host to perform a reward redemption to support the payment transaction.Type: GrantFiled: June 12, 2015Date of Patent: May 12, 2020Assignee: Visa International Service AssociationInventors: Nancy L. Kim, Diane C. Salmon, Mary Theresa Taylor, Jocelyn G. Maniulit
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Patent number: 10540656Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.Type: GrantFiled: March 13, 2019Date of Patent: January 21, 2020Assignee: Visa International Service AssociationInventors: Sayeed Mohammed, Joseph Bjorn Ovick, Nancy L. Kim, Diane C. Salmon
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Publication number: 20190370773Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: August 20, 2019Publication date: December 5, 2019Inventors: Diane C. Salmon, Leigh Amaro, Meara Day
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Patent number: 10430774Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: GrantFiled: June 23, 2017Date of Patent: October 1, 2019Assignee: Visa International Service AssociationInventors: Diane C. Salmon, Meara Day, Leigh Amaro
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Publication number: 20190213591Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.Type: ApplicationFiled: March 13, 2019Publication date: July 11, 2019Inventors: Sayeed Mohammed, Joseph Bjorn Ovick, Nancy L. Kim, Diane C. Salmon
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Publication number: 20190213606Abstract: A statement credit reward system receives a request to redeem reward points from an account holder in exchange for a virtual gift card, where the account holder's request may be in response to an offer from a merchant for the card. The statement credit reward system receives transaction information corresponding to one or more transactions conducted by the account holder with one or more merchants. The transaction information may contain a qualifying transaction conducted by the account holder with a merchant. The statement credit reward system will attempt to match a statement credit trigger with the qualifying transaction. If a match is not found, the statement credit reward system adds the predetermined number of reward points back into the account holder's balance of reward points. If a match is found, the statement credit reward system credits the monetary amount of the statement credit trigger to the account holder's balance.Type: ApplicationFiled: March 18, 2019Publication date: July 11, 2019Inventors: Nancy Kim, Diane C. Salmon
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Patent number: 10275770Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.Type: GrantFiled: May 22, 2017Date of Patent: April 30, 2019Assignee: Visa International Service AssociationInventors: Sayeed Mohammed, Joseph Bjorn Ovick, Diane C. Salmon, Nancy L. Kim
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Publication number: 20180374126Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.Type: ApplicationFiled: January 6, 2017Publication date: December 27, 2018Inventors: Ajit Vilasrao Patil, Santosh Lachhman Achhra, Martin Enriquez, Sukalyan Chakraborty, Varun Sharma, Satyanarayan Belur, Diane C. Salmon, Michael Lemberger, Kelvan Howard
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Publication number: 20180240143Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.Type: ApplicationFiled: April 23, 2018Publication date: August 23, 2018Inventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
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Patent number: 9990646Abstract: A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.Type: GrantFiled: October 24, 2014Date of Patent: June 5, 2018Assignee: Visa International Service AssociationInventors: Diane C. Salmon, James Alan VonDerheide, Laura DiGioacchino, Edward Scheidelman, Nancy L. Kim
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Publication number: 20170293907Abstract: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.Type: ApplicationFiled: June 23, 2017Publication date: October 12, 2017Inventors: Diane C. Salmon, Meara Day Dey, Leigh Amaro
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Publication number: 20170262846Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.Type: ApplicationFiled: May 22, 2017Publication date: September 14, 2017Inventors: Sayeed Mohammed, Joseph Bjorn Ovick, Diane C. Salmon, Nancy L. Kim
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Patent number: 9672516Abstract: Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.Type: GrantFiled: March 12, 2015Date of Patent: June 6, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Sayeed Mohammed, Joseph Bjorn Ovick, Diane C. Salmon, Nancy L. Kim