Patents by Inventor James Sinton

James Sinton 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 initiating a financial transaction by a cardholder device
    Patent number: 11379807
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Grant
    Filed: October 27, 2017
    Date of Patent: July 5, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: James Sinton
  • METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE
    Publication number: 20180053166
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Application
    Filed: October 27, 2017
    Publication date: February 22, 2018
    Inventor: James Sinton
  • Methods and systems for initiating a financial transaction by a cardholder device
    Patent number: 9805348
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Grant
    Filed: September 22, 2010
    Date of Patent: October 31, 2017
    Assignee: Mastercard International Incorporated
    Inventor: James Sinton
  • TIME-LIMITED FUND SHARING METHOD AND APPARATUS
    Publication number: 20140164221
    Abstract: A system, method, and computer-readable storage medium configured to enable the pooling and sharing of funds to cover shared expenses for a limited time. An electronic basket is created. The electronic basket includes a virtual prepaid payment card with a unique identifier and associated with a user. The user is prompted for potential contributors to the electronic basket. A network interface electronically contacts the potential contributors, and the electronic basket is stored in a user-card database. When the basket expires, users are prompted to extend the time period, or remaining funds are returned to basket contributors.
    Type: Application
    Filed: December 10, 2012
    Publication date: June 12, 2014
    Inventors: James Sinton, Richard Burdett, Hemal Sanghvi
  • METHODS AND SYSTEMS FOR INITIATING A FINANCIAL TRANSACTION BY A CARDHOLDER DEVICE
    Publication number: 20120072296
    Abstract: A method and system for processing a financial transaction initiated by a cardholder with a merchant. The cardholder initiates the transaction using a cardholder input device and transmits an authorization request message including transaction data received by the cardholder input device from a point of sale (POS) device associated with the merchant. The authorization request message is received by a computer system. The transaction data is validated, and an authorization response message is transmitted after validation. The cardholder input device may forward the authorization response message to the POS device for completing the transaction.
    Type: Application
    Filed: September 22, 2010
    Publication date: March 22, 2012
    Inventor: James Sinton