Patents by Inventor Heather Marie Kowalczyk

Heather Marie Kowalczyk 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).

  • Patent number: 10915855
    Abstract: An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.
    Type: Grant
    Filed: December 14, 2017
    Date of Patent: February 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Aarti Sharma, David Weis, Michael Thomas McNamara, Steven Bruce Oshry, Heather Marie Kowalczyk, Michael J. Cardamone
  • Publication number: 20190188639
    Abstract: An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.
    Type: Application
    Filed: December 14, 2017
    Publication date: June 20, 2019
    Inventors: Aarti Sharma, David Weis, Michael Thomas McNamara, Steven Bruce Oshry, Heather Marie Kowalczyk, Michael J. Cardamone
  • Publication number: 20180181963
    Abstract: Methods, apparatus and systems, the method including receiving, by a processor of a consumer mobile device, a request from a user for a purchase pre-authorization; receiving, by a biometric input component of the consumer mobile device, biometric data that uniquely identifies the user; sending a representation of the biometric data to a pre-purchase authentication server; receiving, by the mobile device processor from the pre-purchase server, a message including a unique code, the unique code being associated with a payment card account of the user and valid to use to authorize future purchase transactions using the payment card account for a finite period of time and a specific amount of funds of the payment card account; and displaying, on a display screen component of the consumer mobile device in response to the request, the unique code.
    Type: Application
    Filed: December 23, 2016
    Publication date: June 28, 2018
    Inventors: Andrey Birukov, Henry M. Weinberger, Michael J. Cardamone, Po Hu, Heather Marie Kowalczyk, Avyaktanand Tiwary