Patents by Inventor JUSTIN XAVIER HOWE

JUSTIN XAVIER HOWE 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).

  • Publication number: 20210182818
    Abstract: Systems and methods are disclosed. A method includes accessing a payment account number associated with a phone number that has received a VoIP call, determining a time period of the VoIP call to the phone number, matching the payment account number with a payment account authorization made during the time period, and identifying a merchant bank account that is associated with the payment account authorization. A merchant account holder is identified that is associated with the merchant bank account.
    Type: Application
    Filed: December 13, 2019
    Publication date: June 17, 2021
    Applicant: Visa International Service Association
    Inventor: Justin Xavier HOWE
  • Publication number: 20160335631
    Abstract: A system and method are provided herein for self-imposing a financial penalty for purchasing comestibles containing nutritional content not in compliance with user pre-defined nutritional content guidelines. One or more user pre-defined nutritional content guidelines and one or more user pre-defined target accounts are stored and associated with one or more financial transaction instruments of the user. Financial transactions based on the one or more financial transaction instruments are monitored to identify comestibles purchased by the user. If the nutritional content of at least one of the purchased comestibles is not in compliance with the guidelines, a financial transaction is initiated to transfer funds against the one or more financial transaction instruments in favor of the one or more target accounts. Advantageously, the method and system of the subject disclosure allows for a user to self-impose a financial incentive to abide by self-defined nutritional guidelines.
    Type: Application
    Filed: May 14, 2015
    Publication date: November 17, 2016
    Inventor: JUSTIN XAVIER HOWE
  • Publication number: 20150081387
    Abstract: A method for identifying a trendsetting consumer includes: storing transaction entries, each entry including a consumer identifier, transaction date, and transaction characteristics each having a characteristic value; receiving two trend identifiers, each trend identifier including a trend date and transaction characteristic value and is associated with a specific trend; identifying a trending consumer where a first transaction entry includes a transaction date corresponding to the trend date and a transaction characteristics having a characteristic value corresponding to the transaction characteristic value of one of the two identified trends, a second transaction entry includes a transaction date corresponding to the trend date and a transaction characteristics having a characteristic value corresponding to the transaction characteristic value of another one of the two identified trends, and the first and second transaction entries include a common consumer identifier associated with the trending consumer;
    Type: Application
    Filed: September 17, 2013
    Publication date: March 19, 2015
    Applicant: MasterCard International Incorporated
    Inventors: Justin Xavier HOWE, Kenny Unser
  • Publication number: 20140250010
    Abstract: A method for authenticating a financial transaction includes: storing a plurality of transaction data entries, each transaction data entry including data related to a financial transaction and including transaction data and a consumer identifier; receiving cookie data, the cookie data including a computing device identifier and historical browsing data; receiving an authorization request for a financial transaction, the authorization request including a consumer identification; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset includes a consumer identifier corresponding to the consumer identification; identifying an authentication score for the financial transaction based on a correlation of transaction data included in each transaction data entry of the subset and the historical browsing data; and transmitting the identified authentication score and consumer identification for use in approval of the financial transaction by an i
    Type: Application
    Filed: August 21, 2013
    Publication date: September 4, 2014
    Applicant: MasterCard International Incorporated
    Inventor: Justin Xavier HOWE
  • Publication number: 20140229368
    Abstract: A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a merchant identifier, and a transaction date, the utilized network being the first or second debit network; receiving a routing identification request, the request including a merchant identification; identifying a merchant transaction group, the group including entries where the merchant identifier corresponds to the merchant identification; identifying a plurality of network subgroups in the group, each subgroup including entries including a common first and second debit network; identifying, for each subgroup, a preferred network based on the utilized network for each entry in the subgroup where the transaction date is a specific date; and identifying a routing table for a merchant associated with the merchant identifier based on the preferred network and the first and second debit network for each subgroup.
    Type: Application
    Filed: January 6, 2014
    Publication date: August 14, 2014
    Applicant: MasterCard International Incorporated
    Inventor: Justin Xavier HOWE
  • Publication number: 20130346266
    Abstract: In one aspect, a method is provided herein of identifying transactions being processed over a payment card network which may be subjected to a conditional consumption tax. The method includes receiving, via the payment card network, a payment authorization message corresponding to a transaction between a user and a merchant. Further, the method includes determining, using a computer, from the payment authorization message, a user geographical code for the user. Similarly, the method includes determining, using a computer, from the payment authorization message, a merchant geographical code for the merchant. Using a computer, the method calls for comparing the geographical code of the user and the geographical code of the merchant with a demesne of a first tax authority. If the geographical code of the user and the geographical code of the merchant are within the demesne of the first tax authority, then, determining the transaction has no conditional consumption tax burden under the first tax authority.
    Type: Application
    Filed: June 21, 2012
    Publication date: December 26, 2013
    Applicant: MASTERCARD INTERNATIONAL, INC.
    Inventor: JUSTIN XAVIER HOWE