Patents by Inventor Gausper Joseph

Gausper Joseph 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).

  • Methods and systems for managing consumer savings with credit card transactions
    Patent number: 10643275
    Abstract: In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card.
    Type: Grant
    Filed: November 21, 2017
    Date of Patent: May 5, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Gausper Joseph
  • METHODS AND SYSTEMS FOR MANAGING CONSUMER SAVINGS WITH CREDIT CARD TRANSACTIONS
    Publication number: 20180336627
    Abstract: In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card.
    Type: Application
    Filed: November 21, 2017
    Publication date: November 22, 2018
    Inventor: Gausper Joseph
  • METHODS AND SYSTEMS FOR MANAGING CONSUMER SAVINGS WITH CREDIT CARD TRANSACTIONS
    Publication number: 20180096423
    Abstract: In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card.
    Type: Application
    Filed: November 21, 2017
    Publication date: April 5, 2018
    Inventor: Gausper Joseph
  • Methods and systems for managing consumer savings with credit card transactions
    Patent number: 9824393
    Abstract: In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card.
    Type: Grant
    Filed: December 27, 2013
    Date of Patent: November 21, 2017
    Assignee: Mastercard International Incorporated
    Inventor: Gausper Joseph
  • METHODS AND SYSTEMS FOR MANAGING CONSUMER SAVINGS WITH CREDIT CARD TRANSACTIONS
    Publication number: 20150186990
    Abstract: In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card.
    Type: Application
    Filed: December 27, 2013
    Publication date: July 2, 2015
    Applicant: MasterCard International Incorporated
    Inventor: Gausper Joseph