Patents by Inventor Justin Monk
Justin Monk 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: 20240126867Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.Type: ApplicationFiled: December 13, 2023Publication date: April 18, 2024Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Shoon Ping Wong, Justin Monk
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Patent number: 11886571Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.Type: GrantFiled: August 24, 2021Date of Patent: January 30, 2024Assignee: Visa International Service AssociationInventors: Shoon Ping Wong, Justin Monk
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Publication number: 20220277312Abstract: A method is disclosed and includes receiving, from a network computer, an authorization request message in a first data format for an interaction and converting the authorization request message in a first data format to a second data format. The method also includes transmitting the authorization request message in the second data format to a processing system comprising plurality of processing modules. The processing system uses the plurality of processing modules to process the data in the authorization request message in the second data format.Type: ApplicationFiled: February 26, 2021Publication date: September 1, 2022Inventors: Shoon Ping Wong, Kobus Meyer, Sharon Trujillo-Vialpando, Sarah Helgeson, Dawn Campbell, Justin Monk
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Publication number: 20210382982Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.Type: ApplicationFiled: August 24, 2021Publication date: December 9, 2021Inventors: Shoon Ping Wong, Justin Monk
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Patent number: 11126707Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.Type: GrantFiled: January 15, 2019Date of Patent: September 21, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Shoon Ping Wong, Justin Monk
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Patent number: 10937031Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.Type: GrantFiled: July 31, 2017Date of Patent: March 2, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Justin Monk, Kaushik Subramanian, Thanigaivel Ashwin Raj
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Publication number: 20200226245Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.Type: ApplicationFiled: January 15, 2019Publication date: July 16, 2020Inventors: Shoon Ping Wong, Justin Monk
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Publication number: 20170330185Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.Type: ApplicationFiled: July 31, 2017Publication date: November 16, 2017Inventors: Justin Monk, Kaushik Subramanian, Thanigaivel Ashwin Raj
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Publication number: 20130297501Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.Type: ApplicationFiled: May 6, 2013Publication date: November 7, 2013Inventors: Justin Monk, Kaushik Subramanian, Thanigaivel Ashwin Raj
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Patent number: 8055584Abstract: Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one or more issuer analysis engines that are operable to monitor activities occurring in relation to various stored value products. A global negative file is maintained including an update of various of the suspicious activities. An activity request is received from a user in relation to a stored value account, and the activity is checked against the global negative file. A response is generated based at least in part on the information accessible from the global negative file.Type: GrantFiled: October 20, 2003Date of Patent: November 8, 2011Assignee: First Data CorporationInventors: Justin Monk, Denise Keay, Nathan Darmento, Jan Rhode
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Patent number: 7769689Abstract: Methods and systems enable a transaction to be processed with a customer at a point of sale with a combined stored-value and credit instrument. A cost for the transaction is received at a point-of-sale device. In addition, instrument-identification information is received identifying an instrument associated with a stored-value account and a credit account. The stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer. A request is generated to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device. Instructions are transmitted from the point-of-sale device to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.Type: GrantFiled: October 27, 2003Date of Patent: August 3, 2010Assignee: First Data CorporationInventor: Justin Monk
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Publication number: 20050114217Abstract: A transaction with a customer at a point of sale is processed. A cost for the transaction is received at a point-of-sale device that includes a chip-card communications device. Information is read with the chip-card communications device from a chip card presented by the customer in support of the transaction. The information identifies both a stored-value account and a credit account, and identifies current balances for the stored-value and credit accounts. The accounts were linked substantially contemporaneously with issuance of the chip card to the customer. A request is generated to select a distribution of the cost for the transaction among the accounts for presentation at the point-of-sale device. Updated balances for the accounts are determined in accordance with application of the distribution of the cost for the transaction selected in response to the request. Updated information for the accounts is written to the chip card with the communications device.Type: ApplicationFiled: October 26, 2004Publication date: May 26, 2005Applicant: First Data CorporationInventor: Justin Monk
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Publication number: 20050108130Abstract: Methods are provided for producing a chip card for a customer. Credit-account parameters to be associated with the chip card are received. A credit account associated with the chip card is established in accordance with the credit-account parameters. Stored-value-account parameters to be associated with the chip card are also received, and a stored-value account associated with the chip card is established in accordance with the stored-value-account parameters. The credit account and the stored-value account are linked. Information identifying both the stored-value account and the credit account are downloaded onto a chip. The information identifies an initial balance for the stored-value account and an initial balance for the credit account. The chip is installed in the chip card. The chip card is issued to the customer substantially contemporaneously with linking the credit account and the stored-value account.Type: ApplicationFiled: October 26, 2004Publication date: May 19, 2005Applicant: First Data CorporationInventor: Justin Monk
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Publication number: 20050091153Abstract: Methods and systems are provided for generating a combined stored-value and credit instrument. Credit-account parameters to be associated with the instrument are received and a credit account associated with the instrument is established in accordance with the credit-account parameters. Stored-value-account parameters to be associated with the instrument are also received and a stored-value account associated with the instrument is established in accordance with the stored-value-account parameters. The credit account and the stored value are linked and issuance of the instrument is initiated substantially contemporaneously with linking the accounts.Type: ApplicationFiled: October 27, 2003Publication date: April 28, 2005Applicant: First Data CorporationInventor: Justin Monk
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Publication number: 20050091116Abstract: Methods and systems enable a transaction to be processed with a customer at a point of sale with a combined stored-value and credit instrument. A cost for the transaction is received at a point-of-sale device. In addition, instrument-identification information is received identifying an instrument associated with a stored-value account and a credit account. The stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer. A request is generated to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device. Instructions are transmitted from the point-of-sale device to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.Type: ApplicationFiled: October 27, 2003Publication date: April 28, 2005Applicant: First Data CorporationInventor: Justin Monk
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Publication number: 20050086166Abstract: Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one or more issuer analysis engines that are operable to monitor activities occurring in relation to various stored value products. A global negative file is maintained including an update of various of the suspicious activities. An activity request is received from a user in relation to a stored value account, and the activity is checked against the global negative file. A response is generated based at least in part on the information accessible from the global negative file.Type: ApplicationFiled: October 20, 2003Publication date: April 21, 2005Applicant: First Data CorporationInventors: Justin Monk, Denise Keay, Nathan Darmento, Joan Rhode