Patents by Inventor Gayley Woolston

Gayley Woolston 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).

  • COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING
    Publication number: 20230206242
    Abstract: A system for payment routing according to a likelihood of settlement. The system includes processors and/or transceivers programmed to receive a payment transaction message relating to a putative payment transaction. The payment transaction message contains putative payment transaction data including a customer identification (ID) for an account and a transaction amount. The system generates a scaled score representing the likelihood of settlement of the putative payment transaction on at least one date for each of a plurality of potential payment rails. Based at least in part on the at least one scaled score for each of the plurality of potential payment rails, the system selects a payment rail from the plurality of payment rails. The system initiates, via the selected payment rail, a payment transaction corresponding to the putative payment transaction.
    Type: Application
    Filed: December 22, 2022
    Publication date: June 29, 2023
    Applicant: Mastercard International Incorporated
    Inventors: Nicholas Bryan Baguley, Young Mi Catarina Ban, William Campbell, Wally F. Lo Faro, William Parkinson, Serenie Gagon, Ahmed Hosny, Alexander Liberson, Gayley Woolston, Nicholas A. Thomas, Brett Ragozzine, Daniel Roper, Justin A. Harnish, Abbas Moosavi, Swati Saini, Cameron Bell, Natesh Babu Arunachalam, Shawn J. Mehrhoff