Patents by Inventor Jennifer DOGIN
Jennifer DOGIN 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: 12039579Abstract: A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including a payment function for paying for an item to be purchased. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the payment interchange including the payment function for paying for an item to be purchased by one or more users of the global shopping cart and by one or more payment modes or sources.Type: GrantFiled: December 9, 2019Date of Patent: July 16, 2024Assignee: Mastercard International IncorporatedInventors: Jennifer Dogin, Brian Maw
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Patent number: 11941630Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One example method includes receiving, at an interface peripheral of a payment card device, a biometric from an individual associated with the device and comparing the received biometric to a biometric reference stored in a memory of the device. The method also includes, in response to the received biometric matching the biometric reference, setting a biometric status in the memory of the device for an expiration interval and enabling the device for transactions to be funded by an account linked to the device, based on the biometric status being set. The method then includes, in response to expiration of the expiration interval, resetting the biometric status in the device and disabling the device for transactions to be funded by the account, based on the biometric status not being set.Type: GrantFiled: March 30, 2023Date of Patent: March 26, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 11928729Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: GrantFiled: December 1, 2022Date of Patent: March 12, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Richard A. Rozbicki
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Publication number: 20230237487Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One example method includes receiving, at an interface peripheral of a payment card device, a biometric from an individual associated with the device and comparing the received biometric to a biometric reference stored in a memory of the device. The method also includes, in response to the received biometric matching the biometric reference, setting a biometric status in the memory of the device for an expiration interval and enabling the device for transactions to be funded by an account linked to the device, based on the biometric status being set. The method then includes, in response to expiration of the expiration interval, resetting the biometric status in the device and disabling the device for transactions to be funded by the account, based on the biometric status not being set.Type: ApplicationFiled: March 30, 2023Publication date: July 27, 2023Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 11645655Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: September 27, 2021Date of Patent: May 9, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20230097064Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: ApplicationFiled: December 1, 2022Publication date: March 30, 2023Inventors: Jennifer Dogin, Richard A. Rozbicki
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Patent number: 11544781Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: GrantFiled: December 23, 2017Date of Patent: January 3, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Richard A. Rozbicki
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Publication number: 20220012747Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: September 27, 2021Publication date: January 13, 2022Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 11132684Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: August 8, 2019Date of Patent: September 28, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 10896435Abstract: A system, method, and computer-readable storage medium configured to link electronic voucher offers with complementary voucher offers and consolidate redemption of electronic vouchers with electronic payments into a single transaction.Type: GrantFiled: May 15, 2013Date of Patent: January 19, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Brian Maw, Jennifer Dogin
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Patent number: 10692082Abstract: A method for processing a reservation includes: receiving reservation information, the information including a preauthorization amount, payment information, merchant identifier, and predetermined period of time; storing the information; identifying a unique identifier associated with the information; transmitting the unique identifier and predetermined period of time to a merchant associated with the merchant identifier; receiving data identifying, within the predetermined period of time, fulfillment of the reservation; and transmitting the information for payment of a transaction using the payment information.Type: GrantFiled: August 10, 2012Date of Patent: June 23, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Brian Maw
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Publication number: 20200111139Abstract: A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including a payment function for paying for an item to be purchased. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the payment interchange including the payment function for paying for an item to be purchased by one or more users of the global shopping cart and by one or more payment modes or sources.Type: ApplicationFiled: December 9, 2019Publication date: April 9, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Brian Maw
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Patent number: 10504163Abstract: A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including a payment function for paying for an item to be purchased. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the payment interchange including the payment function for paying for an item to be purchased by one or more users of the global shopping cart and by one or more payment modes or sources.Type: GrantFiled: July 6, 2015Date of Patent: December 10, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Brian Maw
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Publication number: 20190362360Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: August 8, 2019Publication date: November 28, 2019Inventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Patent number: 10410216Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: GrantFiled: April 29, 2014Date of Patent: September 10, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20190197616Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: ApplicationFiled: December 23, 2017Publication date: June 27, 2019Inventors: Jennifer Dogin, Richard A. Rozbicki
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Patent number: 10043164Abstract: A system and method for facilitating a transaction, e.g., shopping experience, between a merchant and a cardholder. The system comprises an electronic storage device having a database of cardholder profile information and location information stored therein; an access path for allowing access to the cardholder profile information and location information; and a processor for assembling the cardholder profile information and location information in the database, and for providing the assembled cardholder profile information and location information to a merchant and a cardholder that have been granted access to the database. The assembled cardholder profile information and location information are provided to the merchant and the cardholder so as to effect targeted interaction between the merchant and cardholder based at least in part on the assembled cardholder profile information and location information.Type: GrantFiled: May 20, 2013Date of Patent: August 7, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Brian Maw
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Publication number: 20160171570Abstract: A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including a payment function for paying for an item to be purchased. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the payment interchange including the payment function for paying for an item to be purchased by one or more users of the global shopping cart and by one or more payment modes or sources.Type: ApplicationFiled: July 6, 2015Publication date: June 16, 2016Inventors: Jennifer Dogin, Brian Maw
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Publication number: 20150310440Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.Type: ApplicationFiled: April 29, 2014Publication date: October 29, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ron Hynes, Sean Kirch, Jennifer Dogin
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Publication number: 20140344011Abstract: A system and method for facilitating a transaction, e.g., shopping experience, between a merchant and a cardholder. The system comprises an electronic storage device having a database of cardholder profile information and location information stored therein; an access path for allowing access to the cardholder profile information and location information; and a processor for assembling the cardholder profile information and location information in the database, and for providing the assembled cardholder profile information and location information to a merchant and a cardholder that have been granted access to the database. The assembled cardholder profile information and location information are provided to the merchant and the cardholder so as to effect targeted interaction between the merchant and cardholder based at least in part on the assembled cardholder profile information and location information.Type: ApplicationFiled: May 20, 2013Publication date: November 20, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Brian Maw