Patents by Inventor Jeffrey William Perlman
Jeffrey William Perlman 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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Patent number: 10984403Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.Type: GrantFiled: August 7, 2018Date of Patent: April 20, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Jeffrey William Perlman
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Publication number: 20190108505Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.Type: ApplicationFiled: August 7, 2018Publication date: April 11, 2019Inventor: Jeffrey William Perlman
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Patent number: 10068220Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.Type: GrantFiled: May 12, 2010Date of Patent: September 4, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Jeffrey William Perlman
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Patent number: 8676674Abstract: This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer.Type: GrantFiled: September 13, 2012Date of Patent: March 18, 2014Assignee: Visa International Service AssociationInventor: Jeffrey William Perlman
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Patent number: 8676639Abstract: An example funds facilitation system that facilitates transactions between a payer and payee includes a promotion processing system that facilitates the provision of promotions to account holders on the funds facilitation system. The party offering the promotion may be a merchant/payee that also has an account with the funds facilitation system. The promotion processing system applies promotion rules based on the identity of the merchant/payee and upon conditions placed on the promotion that identify a payer or a group of payers to receive the promotion. A user interface is provided for generating promotion rules and monitoring promotions. A user interface is also provided that displays unused promotion and gift codes and links to merchant/payee websites associated with the unused codes. The funds facilitation system can also provide authorization for purchases based on a condition, such as the age of the payer.Type: GrantFiled: May 12, 2010Date of Patent: March 18, 2014Assignee: Visa International Service AssociationInventors: Jeffrey William Perlman, Caroline Grace Dempsey
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Publication number: 20130013494Abstract: This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer.Type: ApplicationFiled: September 13, 2012Publication date: January 10, 2013Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Jeffrey William Perlman
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Patent number: 8280788Abstract: Systems and methods for providing peer-to-peer and group financial management are provided herein. An example system includes a payment processor that executes software instructions for creating and managing electronic payment accounts and an accounts database to store account data from the payment processor. The payment processor may be configured to receive a payment request from a payer, the payment request including information to identify a payee and a payment amount. The payment processor may be further configured to determine if the accounts database includes an account associated with the payee, and based on a determination that the accounts database includes an account associated with the payee, send an electronic message to the payee that notifies the payee of the payment request.Type: GrantFiled: May 12, 2010Date of Patent: October 2, 2012Assignee: Visa International Service AssociationInventor: Jeffrey William Perlman
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Publication number: 20110106601Abstract: An example funds facilitation system that facilitates transactions between a payer and payee includes a promotion processing system that facilitates the provision of promotions to account holders on the funds facilitation system. The party offering the promotion may be a merchant/payee that also has an account with the funds facilitation system. The promotion processing system applies promotion rules based on the identity of the merchant/payee and upon conditions placed on the promotion that identify a payer or a group of payers to receive the promotion. A user interface is provided for generating promotion rules and monitoring promotions. A user interface is also provided that displays unused promotion and gift codes and links to merchant/payee websites associated with the unused codes. The funds facilitation system can also provide authorization for purchases based on a condition, such as the age of the payer.Type: ApplicationFiled: May 12, 2010Publication date: May 5, 2011Inventors: Jeffrey William Perlman, Caroline Grace Dempsey
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Publication number: 20110106675Abstract: Systems and methods for providing peer-to-peer and group financial management are provided herein. An example system includes a payment processor that executes software instructions for creating and managing electronic payment accounts and an accounts database to store account data from the payment processor. The payment processor may be configured to receive a payment request from a payer, the payment request including information to identify a payee and a payment amount. The payment processor may be further configured to determine if the accounts database includes an account associated with the payee, and based on a determination that the accounts database includes an account associated with the payee, send an electronic message to the payee that notifies the payee of the payment request.Type: ApplicationFiled: May 12, 2010Publication date: May 5, 2011Inventor: Jeffrey William Perlman
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Publication number: 20110106674Abstract: An example computer-implemented method of processing transactions in a funds facilitation system includes the steps of: receiving an electronic funding request to provide a payment for a transaction; identifying characteristics of the transaction based on information provided in the funding request; comparing the characteristics of the transaction with transaction rules stored in a rules database to determine at least one of: (a) a payment source for funding the funding request, and (b) an authentication procedure for authorizing the funding request. The selection of the authentication procedure is based at least in part on a stored trust level associated with a source of the electronic funding request. The receiving, identifying, and comparing steps are performed by software executable on one or more data processors. A funds facilitation system and memory structure are also included.Type: ApplicationFiled: May 12, 2010Publication date: May 5, 2011Inventor: Jeffrey William Perlman
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Publication number: 20110035320Abstract: A system and method for validating a relationship between a user and a user account at a financial institution includes a data communication device, a memory, a processor coupled to the memory, and an account validation module executable by the processor. The account validation module generates a verification identifier for storage in the memory and is provided to the user, and subsequently receives a user initiated financial transaction involving the user account at the financial institution. The received financial transaction includes a comparison identifier supplied by the user. The account validation module determines whether the comparison identifier corresponds to the verification identifier for purposes of validating the relationship between the user and the user account maintained at the financial institution.Type: ApplicationFiled: October 19, 2010Publication date: February 10, 2011Inventors: Jeffrey William Perlman, Sofia Walsh, Gregory Kenneth Storey
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Patent number: 7827108Abstract: A system and method for validating a relationship between a user and a user account at a financial institution includes a data communication device, a memory, a processor coupled to the memory, and an account validation module executable by the processor. The account validation module generates a verification identifier for storage in the memory and is provided to the user, and subsequently receives a user initiated financial transaction involving the user account at the financial institution. The received financial transaction includes a comparison identifier supplied by the user. The account validation module determines whether the comparison identifier corresponds to the verification identifier for purposes of validating the relationship between the user and the user account maintained at the financial institution.Type: GrantFiled: November 21, 2008Date of Patent: November 2, 2010Assignee: Visa U.S.A. Inc.Inventors: Jeffrey William Perlman, Sofia Walsh, Gregory Kenneth Storey
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Publication number: 20100257102Abstract: Systems and methods for providing a transaction authorization from a funds facilitation system for a transaction requested by a user to a merchant system such that the user is not required to input any user authentication information in excess of authentication information required by the merchant system are provided. A system and method can include receiving a transaction request from the merchant system containing a merchant ID, a merchant user ID, and a transaction amount. The system identifies a funds facilitation system user ID based on the merchant ID and the merchant user ID and determines satisfaction of a funds facilitation system user authentication requirement based on the merchant system having a trusted status with the funds facilitation system. A transaction authorization message or transaction denial message is provided to the merchant system based on account information associated with the user and the transaction amount.Type: ApplicationFiled: May 12, 2010Publication date: October 7, 2010Applicant: Visa International Services AssociationInventor: Jeffrey William Perlman
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Publication number: 20100223184Abstract: Systems and methods for primary and sponsored accounts are provided. A system may include an account processor to execute software instructions for creating and managing electronic payment accounts and an accounts database to store account data from the account processor. The account processor may be configured to create a primary account and a sponsored account in the accounts database. The primary account may be associated with a primary account holder who has access to the primary account to add and remove funds. The sponsored account may be associated with both the primary account holder and a sponsored account holder, where the primary account holder has access to the sponsored account to transfer funds between the primary account and the sponsored account in order to add and remove funds from the sponsored account, and the sponsored account holder has access to the sponsored account for making transactions using funds in the sponsored account.Type: ApplicationFiled: May 12, 2010Publication date: September 2, 2010Applicant: Visa International Service AssociationInventor: Jeffrey William Perlman
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Publication number: 20100131408Abstract: A system and method for validating a relationship between a user and a user account at a financial institution includes a data communication device, a memory, a processor coupled to the memory, and an account validation module executable by the processor. The account validation module generates a verification identifier for storage in the memory and is provided to the user, and subsequently receives a user initiated financial transaction involving the user account at the financial institution. The received financial transaction includes a comparison identifier supplied by the user. The account validation module determines whether the comparison identifier corresponds to the verification identifier for purposes of validating the relationship between the user and the user account maintained at the financial institution.Type: ApplicationFiled: November 21, 2008Publication date: May 27, 2010Inventors: Jeffrey William Perlman, Sofia Walsh, Gregory Kenneth Storey