Patents by Inventor Gwen Diane Ma
Gwen Diane Ma 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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Publication number: 20230018754Abstract: Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.Type: ApplicationFiled: September 19, 2022Publication date: January 19, 2023Inventors: Gwen Diane Ma, Steven David Cracknell, Laura Angevine Long, Michele Lauren Banks Larsen, Mary Taylor
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Patent number: 11481747Abstract: Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.Type: GrantFiled: April 12, 2017Date of Patent: October 25, 2022Assignee: Visa International Service AssociationInventors: Gwen Diane Ma, Steven David Cracknell, Laura Angevine Long, Michele Lauren Banks Larsen, Mary Taylor
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Publication number: 20210097516Abstract: Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.Type: ApplicationFiled: April 12, 2017Publication date: April 1, 2021Inventors: Gwen Diane Ma, Steven David Cracknell, Laura Angevine Long, Michele Lauren Banks Larsen, Mary Taylor
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Publication number: 20150106185Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: ApplicationFiled: December 19, 2014Publication date: April 16, 2015Inventors: Karen Louise Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Patent number: 8965810Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: GrantFiled: April 14, 2014Date of Patent: February 24, 2015Assignee: Visa U.S.A. Inc.Inventors: Karen Louise Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Publication number: 20140229260Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: ApplicationFiled: April 14, 2014Publication date: August 14, 2014Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Karen Louise Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Patent number: 8725568Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: GrantFiled: May 13, 2013Date of Patent: May 13, 2014Assignee: Visa U.S.A. Inc.Inventors: Karen Louise Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Publication number: 20130254004Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: ApplicationFiled: May 13, 2013Publication date: September 26, 2013Applicant: Visa International Service AssociationInventors: Karen Louise Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Patent number: 8463706Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: GrantFiled: August 20, 2010Date of Patent: June 11, 2013Assignee: Visa U.S.A. Inc.Inventors: Karen L. Cervenka, Mary Theresa Taylor, Gwen Diane Ma
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Publication number: 20110288918Abstract: In one aspect, a computing apparatus is configured to automate the redemption of offers, such as manufacturer coupons, which require the purchase of specific items identified in the offers for their redemption. The computing apparatus is to store offers in connection with accounts of users (e.g., credit cards, debit cards, prepaid cards). When the accounts are used to make purchases, the authorization response messages from the transaction handler may include indicators to request purchase details, if the corresponding accounts have associated offers pending for redemption. When the purchase details show that the users have made the purchases required for the redemption of the offers, the benefits of the offers are provided to the accounts of the users via statement credits. Optional email or mobile alerts may be provided to the users to report the automated redemption of the offers.Type: ApplicationFiled: May 23, 2011Publication date: November 24, 2011Inventors: Karen Louise Cervenka, Gwen Diane Ma
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Publication number: 20110047019Abstract: A transaction handler receives, for forwarding to a sponsor account's issuer, a coupon authorization request message from a merchant's acquirer that identifies the sponsor account and a coupon for an item being purchased by a consumer in a transaction with the merchant. The issuer determines eligibility of the coupon for use by the consumer, and sends an authorization response message to the merchant via its acquirer and the transaction handler for the application of a corresponding discount for the item when the coupon is eligible. One or more coupon eligibilities for the purchase of the item by the consumer from the merchant can be derived from comparisons of the transaction to predetermined times, geographies, jurisdictions, sets of merchants, and/or the number of times that coupons have been used in other transactions. The transaction handler can further process the transaction for authorization the consumer's account to pay of the transaction.Type: ApplicationFiled: August 20, 2010Publication date: February 24, 2011Inventors: Karen L. Cervenka, Mary Theresa Taylor, Gwen Diane Ma