Patents by Inventor Jeanette Yoder
Jeanette Yoder 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: 20210233093Abstract: Provided is a method and computer program product for ranking and selecting triggers. The method includes displaying a user interface to a marketer user, determining a predicted effectiveness for each trigger of a set of triggers associated with at least one offer based at least partially on a likelihood of a plurality of users performing transactions satisfying conditions associated with each trigger of the set of triggers, generating a ranked set of triggers by ranking each trigger of the set of triggers according to the predicted effectiveness of each respective trigger of the set of triggers, displaying the ranked set of triggers for the selection of at least one trigger, and in response to the selection of the at least one trigger by the marketer user from the user interface, generating at least one trigger record from the at least one trigger.Type: ApplicationFiled: April 12, 2021Publication date: July 29, 2021Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 10977666Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: April 11, 2018Date of Patent: April 13, 2021Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 10430823Abstract: In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.Type: GrantFiled: July 3, 2017Date of Patent: October 1, 2019Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Charles Raymond Byce, Michelle Eng Winters
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Patent number: 10339554Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: March 16, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20180247319Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: ApplicationFiled: April 11, 2018Publication date: August 30, 2018Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 9990643Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: GrantFiled: April 29, 2014Date of Patent: June 5, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Patent number: 9972021Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: August 4, 2011Date of Patent: May 15, 2018Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Publication number: 20170300957Abstract: In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.Type: ApplicationFiled: July 3, 2017Publication date: October 19, 2017Inventors: Jeanette Yoder, Charles Raymond Byce, Michelle Eng Winters
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Patent number: 9760905Abstract: In one aspect, a computing apparatus is configured to: capture first images of customers who have watched a digital sign, using a digital camera attached to the digital sign positioned in vicinity of a retail location; identify characteristics of the customers based on the first images; identify, using the characteristics, a subset of customers who have made payment transactions at the retail location through a transaction handler; determine an aggregated spending profile based on transactions of the subset of customers recorded by the transaction handler; and arrange content on the digital sign based on the aggregated spending profile. The computing apparatus may be further configured to capture second images of the customers who have made payment transactions at the retail location through the transaction handler, using a digital camera attached to a point of sale (POS) station at the retail location, and to correlate the first and second images to identify the subset.Type: GrantFiled: August 1, 2011Date of Patent: September 12, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Charles Raymond Byce, Michelle Eng Winters
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Patent number: 9679299Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: GrantFiled: September 2, 2011Date of Patent: June 13, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Publication number: 20160196572Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: ApplicationFiled: March 16, 2016Publication date: July 7, 2016Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Patent number: 9324088Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: February 25, 2013Date of Patent: April 26, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20150262135Abstract: A computer system having a plurality of computers, including a centralized router and a data storage stores data linking a time limit and multiple destination accounts. Within the time limit, in response to a first authorization request associated with a first destination account, the data storage stores data linking an account identifier provided in the first authorization request with the time limit; in response to a second authorization request identifying the account identifier and being associated with a second destination account, the data storage stores data increases an allocated resource of the account identifier; and in response to a third authorization request identifying the account identifier and being associated with a third destination account, the centralized router applies the allocated resource of the account identifier to generate a fourth authorization request replacing the third authorization request and routes a response to the fourth authorization request.Type: ApplicationFiled: March 10, 2015Publication date: September 17, 2015Inventors: Jeanette Yoder, Nikolaos Stamatis
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Publication number: 20140236672Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: ApplicationFiled: April 29, 2014Publication date: August 21, 2014Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Publication number: 20140200968Abstract: A system and method for assessing competitive opportunities is provided. Transaction records for a merchant peer group are identified, wherein the records are associated with a predetermined period of time. A competitive opportunity metric is determined for a particular merchant from the merchant peer group based on computer processing a first subset of the transaction records. A peer group competitive opportunity metric is determined based on computer processing a second subset of the transaction records. An index is generated based on the competitive opportunity metric and the peer group competitive opportunity metric to indicate performance of the particular merchant relative to the merchant peer group.Type: ApplicationFiled: January 14, 2014Publication date: July 17, 2014Applicant: Visa International Service AssociationInventors: Jeanette Yoder, Allison Cripps
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Patent number: 8407148Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: October 19, 2011Date of Patent: March 26, 2013Assignee: Visa U.S.A. Inc.Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Patent number: 8359274Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: June 2, 2011Date of Patent: January 22, 2013Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20120109730Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: ApplicationFiled: October 19, 2011Publication date: May 3, 2012Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20120066064Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: ApplicationFiled: September 2, 2011Publication date: March 15, 2012Applicant: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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Publication number: 20120066062Abstract: In one aspect, a computing apparatus is configured to identify a set of users; identify a plurality of triggers, each of which corresponds to a set of one or more conditions which when satisfied by a transaction of a user from the set, as the transaction is being processed by the transaction handler, causes transmission of an advertisement to the user; provide a graphical representation of triggers; and provide data related to the triggers on the graphical representation, in response to user interaction with the graphical representation.Type: ApplicationFiled: August 8, 2011Publication date: March 15, 2012Applicant: VISA U.S.A. INC.Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston