Patents by Inventor Erica Joann Robeen
Erica Joann Robeen 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: 11494790Abstract: A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.Type: GrantFiled: July 8, 2019Date of Patent: November 8, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Erica Joann Robeen
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Patent number: 10810556Abstract: Systems and methods for use in managing receipts associated with payment account transactions are disclosed. One exemplary method includes intercepting, by a computing device, an authorization message associated with a transaction involving a payment account and a merchant. The method also includes accessing, by the computing device, a profile for the payment account where the profile includes a vault location in a receipt vault data structure specific to the payment account, and appending, by the computing device, the vault location to the authorization message, whereby the merchant is permitted to deposit a receipt for the transaction at the vault location in the receipt vault data structure.Type: GrantFiled: February 24, 2017Date of Patent: October 20, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Venkataraman Rajaraman, Erica Joann Robeen, Mrutunjaya Mishra
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Patent number: 10776787Abstract: Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or more cardholder accounts for notifying one or more issuers associated with the one or more cardholder accounts, receives transaction data associated with one or more financial transactions, and analyzes the received transaction data to generate wallet data corresponding to the transaction data for providing an opportunity to manage the one or more financial transactions. Aspects of the disclosure provide for transmitting notification data in an efficient and user-friendly manner.Type: GrantFiled: September 6, 2016Date of Patent: September 15, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Erica Joann Robeen, Linda M. Mautz, Richard Unnerstall
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Publication number: 20190333079Abstract: A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device.Type: ApplicationFiled: July 8, 2019Publication date: October 31, 2019Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Erica Joann ROBEEN
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Publication number: 20190026738Abstract: Systems and methods are provided for use in imposing a secondary authorization for network transactions. One exemplary method includes intercepting a request for a transaction to an account, when an account number included in the request and associated with the account is included in a secondary authorization data structure. The account is associated with a user involved in the transaction. The method further includes identifying a steward for the user from the secondary authorization data structure, transmitting a secondary request to the steward, at a communication device associated with the steward, based on contact information for the steward identified in the secondary authorization data structure, and permitting the request to proceed to an entity associated with the account when a response, from the steward, to the secondary request includes an approval for the transaction.Type: ApplicationFiled: July 18, 2017Publication date: January 24, 2019Inventors: Erica Joann Robeen, Shijia Wang
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Publication number: 20180247281Abstract: Systems and methods for use in managing receipts associated with payment account transactions are disclosed. One exemplary method includes intercepting, by a computing device, an authorization message associated with a transaction involving a payment account and a merchant. The method also includes accessing, by the computing device, a profile for the payment account where the profile includes a vault location in a receipt vault data structure specific to the payment account, and appending, by the computing device, the vault location to the authorization message, whereby the merchant is permitted to deposit a receipt for the transaction at the vault location in the receipt vault data structure.Type: ApplicationFiled: February 24, 2017Publication date: August 30, 2018Inventors: Venkataraman Rajaraman, Erica Joann Robeen, Mrutunjaya Mishra
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Publication number: 20180232720Abstract: A multi-account payment card (MPC) transaction computing device is configured to receive a first and second transaction request, wherein each transaction request includes a payment card account identifier and a portion of a payment transaction with a merchant to be paid using the payment card account. The MPC transaction computing device then generates a virtual card number (VCN) and transmits the VCN to a user computing device. The MPC transaction computing device further facilitates authorization of the payment transaction by separately conduction authorization for the first payment card account corresponding to the first transaction request and the second payment card account for the second portion of the payment transaction. The MPC transaction computing device then generates a VCN authorization confirmation message and transmits the VCN authorization confirmation message to the merchant.Type: ApplicationFiled: February 10, 2017Publication date: August 16, 2018Inventors: Erica Joann Robeen, Rick Unnerstall, Linda M. Mautz
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Publication number: 20180144311Abstract: A virtual payment account (VPA) management computing device is described, the VPA management computing device configured to generate a jointly funded payment request and store a user-selected control. The VPA management computing device is also configured to establish a VPA associated with the jointly funded payment request, the VPA configured to receive funds from a plurality of payors. The VPA management computing device is further configured to reformat the user-selected controls into corresponding withdrawal restriction rules associated with the VPA, and store the withdrawal restriction rules. The VPA management computing device is also configured to receive a withdrawal request to withdraw at least a portion of the funds in the VPA, the withdrawal request including a plurality of data elements, to compare the data elements with the withdrawal restriction rules, and, when the data elements satisfy the withdrawal restriction rules, to approve the withdrawal request.Type: ApplicationFiled: November 18, 2016Publication date: May 24, 2018Inventors: Rick Unnerstall, Linda M. Mautz, Erica Joann Robeen
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Publication number: 20180114373Abstract: A method for parking validation based on merchant rule compliance includes: receiving a parking notification, wherein the parking notification includes at least a geographic area identifier and is received from a computing device; executing a first query to identify one or more merchant rules related to a geographic area associated with the geographic area identifier; electronically transmitting the one or more merchant rules to the computing device; receiving an action notification related to an action performed by a user of the computing device; executing a second query to identify a specific merchant rule of the one or more merchant rules related to the received action notification; and electronically transmitting a validation notification to the computing device based on the specific merchant rule.Type: ApplicationFiled: October 25, 2016Publication date: April 26, 2018Applicant: MasterCard International IncorporatedInventors: Erica Joann ROBEEN, Corey M. HIVELY, Mahesh NAGURE
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Publication number: 20180068314Abstract: Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or more cardholder accounts for notifying one or more issuers associated with the one or more cardholder accounts, receives transaction data associated with one or more financial transactions, and analyzes the received transaction data to generate wallet data corresponding to the transaction data for providing an opportunity to manage the one or more financial transactions. Aspects of the disclosure provide for transmitting notification data in an efficient and user-friendly manner.Type: ApplicationFiled: September 6, 2016Publication date: March 8, 2018Inventors: Erica Joann Robeen, Linda M. Mautz, Richard Unnerstall
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Publication number: 20170286961Abstract: A method, a non-transitory computer readable medium with computer executable instructions stored thereon, and a fraud prevention processor each prevent electronic fraud. An electronic communication is received from a resource via a network and it is determined whether the electronic communication includes a premium amount. When the electronic communication includes the premium amount, a difference between this premium amount and a captured premium amount received from a consumer is determined, and when the difference is greater than a predefined threshold, an alert is generated and sent to the consumer indicating the difference.Type: ApplicationFiled: March 29, 2016Publication date: October 5, 2017Inventor: Erica Joann Robeen