Patents by Inventor Joan Lee
Joan Lee 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: 20240104554Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: September 6, 2023Publication date: March 28, 2024Inventor: Joan Lee Tibor
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Publication number: 20230360054Abstract: A computing system for automatically initiating reversal of a previously-issued electronic instruction is provided. The computing system includes a processor in communication with a memory.Type: ApplicationFiled: July 18, 2023Publication date: November 9, 2023Inventors: Patricia Rohlfing, Joan Lee Rohlfing, Desh Deepak Yog, Michael Scott Powell
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Patent number: 11783320Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: September 30, 2021Date of Patent: October 10, 2023Assignee: Biometric Payment Solutions, LLCInventor: Joan Lee Tibor
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Patent number: 11481783Abstract: Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data.Type: GrantFiled: July 19, 2021Date of Patent: October 25, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joan Lee Rohlfing, John Harold Kolb, Michael Scott Powell, Mark Carosello
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Publication number: 20220318807Abstract: A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.Type: ApplicationFiled: June 24, 2022Publication date: October 6, 2022Inventors: Joan Lee ROHLFING, Steven Charles DAVIS
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Patent number: 11373183Abstract: A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.Type: GrantFiled: May 6, 2016Date of Patent: June 28, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joan Lee Rohlfing, Steven Charles Davis
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Publication number: 20220164788Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: September 30, 2021Publication date: May 26, 2022Inventor: Joan Lee Tibor
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Publication number: 20210350371Abstract: Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data.Type: ApplicationFiled: July 19, 2021Publication date: November 11, 2021Inventors: Joan Lee Rohlfing, John Harold Kolb, Michael Scott Powell, Mark Carosello
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Patent number: 11138594Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: May 22, 2020Date of Patent: October 5, 2021Assignee: Biometric Payment Solutions, LLCInventor: Joan Lee Tibor
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Publication number: 20210264423Abstract: A computing system for automatically initiating a chargeback transaction from a plurality of processed transactions is provided.Type: ApplicationFiled: February 21, 2020Publication date: August 26, 2021Inventors: Patricia Rohlfing, Joan Lee Rohlfing, Desh Deepak Yog, Michael Scott Powell
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Patent number: 11068902Abstract: Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data.Type: GrantFiled: June 7, 2019Date of Patent: July 20, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Joan Lee Rohlfing, John Harold Kolb, Michael Scott Powell, Mark F. Carosello
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Publication number: 20210049587Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: May 22, 2020Publication date: February 18, 2021Inventor: Joan Lee Tibor
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Publication number: 20200387902Abstract: Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data.Type: ApplicationFiled: June 7, 2019Publication date: December 10, 2020Inventors: Joan Lee Rohlfing, John Harold Kolb, Michael Scott Powell, Mark F. Carosello
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Publication number: 20170323294Abstract: A method for processing a guaranteed electronic transaction, includes: storing account profile, each include an account number and balance; receiving a transaction message from an acquiring financial institution via a payment network, the message including a specific account number, transaction amount, and payment guarantee data; identifying a specific account profile that includes the specific account number; deducting the transaction amount from the account balance in the specific account profile; generating a record of payment guarantee that includes the transaction amount and data associated with the payment guarantee data; generating a return message including a response code indicating transaction approval and data associated with the generated record; transmitting the generated record to a computing system via a communication network; and transmitting the generated return message to the acquiring financial institution via the payment network.Type: ApplicationFiled: May 6, 2016Publication date: November 9, 2017Applicant: MasterCard International IncorporatedInventors: Joan Lee ROHLFING, Steven Charles DAVIS
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Publication number: 20050075544Abstract: A system designed to support and manage the workflow for all user roles pertaining to an endoscopic laboratory, from registration and scheduling of patient information through pre-procedure, procedure and post-procedure phases of an endoscopic examination, including support for the entry, by various users associated with an endoscopic laboratory, of information and data including the processing and storage of endoscopic images captured during an endoscopic exam of a patient, for association with a patient record stored in a database, and including the entry of procedure notes and generation of reports that include the stored images, all via an integrated user interface.Type: ApplicationFiled: May 14, 2004Publication date: April 7, 2005Inventors: Marc Shapiro, Andrew Odlivak, Philip Pearson, Deepak Agarwal, Michael Cohen, Aaron Divinsky, Joan Lee, Sai Pollachi, Mary Rogers, Ken Seidman, Christopher Whatiley, Peter Cotton