Patents by Inventor Keith Newbrough

Keith Newbrough 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).

  • Patent number: 7324641
    Abstract: A method of providing telephone response unit (TRU)-based services includes receiving from a point-of-sale (POS) device a request at a host computer system to activate TRU-based services. The request includes an identifier that indicates the specific TRU-based services to be activated. The method also includes confirming the availability of the specific TRU-based services to be activated and storing at the host computer system information that indicates the services are activated. The method also includes returning a message to the POS that indicates that the TRU-based services have been activated.
    Type: Grant
    Filed: September 29, 2003
    Date of Patent: January 29, 2008
    Assignee: First Data Corporation
    Inventors: Christopher R. McGee, Steven E. Arthur, Keith Newbrough
  • Publication number: 20070295821
    Abstract: The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
    Type: Application
    Filed: September 4, 2007
    Publication date: December 27, 2007
    Applicant: First Data Corporation
    Inventors: Christopher McGee, Keith Newbrough, Kenneth Algiene
  • Publication number: 20070284435
    Abstract: The present invention generally relates to transaction instruments with enhanced expiration date and/or security personal identification number (PIN) generation. The enhanced security PIN generation may be usefully in connection with account information associated with the transaction instrument to verify and/or authenticate the transaction instrument. In certain aspects, the security PIN may be used in connection with account information associated with the transaction information to authenticate the transaction instrument via a synchronization-based authentication process or similar process. By way of example, the account information may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN may be used to authenticate the identity of the transaction instrument.
    Type: Application
    Filed: June 8, 2006
    Publication date: December 13, 2007
    Applicant: First Data Corporation
    Inventors: Keith Newbrough, Peter Robbins
  • Patent number: 7284691
    Abstract: A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
    Type: Grant
    Filed: January 23, 2006
    Date of Patent: October 23, 2007
    Assignee: First Data Corporation
    Inventors: Christopher R. McGee, David R. Baumgartner, Keith A. Newbrough, Ken Algiene
  • Patent number: 7278570
    Abstract: The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
    Type: Grant
    Filed: September 19, 2003
    Date of Patent: October 9, 2007
    Assignee: First Data Corporation
    Inventors: Christopher McGee, Keith Newbrough, Kenneth Algiene
  • Publication number: 20070205290
    Abstract: The present invention generally relates to presentation and transaction cards with graphic image display, which may generally be dynamically modified or personalized following manufacture of the presentation or transaction card body. By way of example, the graphic images may be, e.g., digital image or photo files that may be electronically displayed on a surface of the presentation or transaction instrument for, e.g., promotional, advertising, security, and/or entertainment purposes. Methods for modifying or personalizing the appearance of a presentation or transaction instrument of the invention are also provided.
    Type: Application
    Filed: March 5, 2007
    Publication date: September 6, 2007
    Applicant: First Data Corporation
    Inventors: Keith Newbrough, Ken Algiene
  • Publication number: 20070198433
    Abstract: The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent.
    Type: Application
    Filed: May 11, 2006
    Publication date: August 23, 2007
    Applicant: First Data Corporation
    Inventors: Christopher McGee, Keith Newbrough, Kevin Harte, Kenneth Jennings
  • Publication number: 20070027802
    Abstract: System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across different entities. In one embodiment, for redemption transactions that occurred within one of the entities other than where the associated account was activated, the host computer system is configured to prepare a request to transfer a redemption amount to a central account from an entity account associated with where the redemption transaction occurred, and to prepare a request to transfer less than the redemption amount from the central account to an entity account associated with where the account was activated.
    Type: Application
    Filed: April 19, 2006
    Publication date: February 1, 2007
    Applicant: First Data Corporation
    Inventors: Theodore VanDeburg, David Baumgartner, Kevin James, Keith Newbrough
  • Publication number: 20060255125
    Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.
    Type: Application
    Filed: May 11, 2005
    Publication date: November 16, 2006
    Applicant: First Data Corporation
    Inventors: Kenneth Jennings, John McDonough, Peter Pridgeon, Keith Newbrough
  • Publication number: 20060259425
    Abstract: The invention provides improved security for stored-value instruments. For example, an instrument-authority system may receive a first identifier for an instrument and may thereupon authenticate the instrument, but the system may wait before activating the instrument, such that the instrument may be unusable for a period of time to allow for cancellation of activation if payment is not received for the stored-value instrument.
    Type: Application
    Filed: May 11, 2006
    Publication date: November 16, 2006
    Applicant: First Data Corporation
    Inventors: Kenneth Jennings, Keith Newbrough
  • Publication number: 20060255154
    Abstract: The transaction card carrier assemblies of the invention generally include a carrier module releasably secured to a transaction card. In one aspect, the carrier module may be configured so as to allow for display of (e.g., visual access to) substantially all visual information located on the front and back of the transaction card while the transaction card is secured to the carrier module. In certain embodiments, secure (e.g., confidential or security oriented) information, such as personal identification number (PIN) information, may be obstructed from view until after purchase or delivery for security reasons, as is known in the art.
    Type: Application
    Filed: June 17, 2005
    Publication date: November 16, 2006
    Applicant: First Data Corporation
    Inventors: Keith Newbrough, Chris McGee
  • Publication number: 20060243791
    Abstract: In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable information such that the machine readable information is incapable of being read by a machine when the protective device is in place and the machine readable information is readable by a machine when the protective device is removed.
    Type: Application
    Filed: April 27, 2005
    Publication date: November 2, 2006
    Applicant: First Data Corporation
    Inventors: Chris McGee, Keith Newbrough, Kevin Harte
  • Patent number: 7083081
    Abstract: A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
    Type: Grant
    Filed: October 8, 2002
    Date of Patent: August 1, 2006
    Assignee: First Data Corporation
    Inventors: Christopher R. McGee, David R. Baumgartner, Keith A. Newbrough, Kenneth Algiene
  • Publication number: 20060144929
    Abstract: A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
    Type: Application
    Filed: January 23, 2006
    Publication date: July 6, 2006
    Applicant: First Data Corporation
    Inventors: Christopher McGee, David Baumgartner, Keith Newbrough, Kenneth Algiene
  • Publication number: 20050180550
    Abstract: A method of providing telephone response unit (TRU)-based services includes receiving from a point-of-sale (POS) device a request at a host computer system to activate TRU-based services. The request includes an identifier that indicates the specific TRU-based services to be activated. The method also includes confirming the availability of the specific TRU-based services to be activated and storing at the host computer system information that indicates the services are activated. The method also includes returning a message to the POS that indicates that the TRU-based services have been activated.
    Type: Application
    Filed: September 29, 2003
    Publication date: August 18, 2005
    Applicant: First Data Corporation
    Inventors: Christopher McGee, Steven Arthur, Keith Newbrough
  • Publication number: 20050061889
    Abstract: The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
    Type: Application
    Filed: September 19, 2003
    Publication date: March 24, 2005
    Applicant: First Data Corporation
    Inventors: Christopher McGee, Keith Newbrough, Kenneth Algiene
  • Publication number: 20040153398
    Abstract: System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across different entities. In one embodiment, the host computer periodically performs a net settlement analysis of the transactional data received from each entity's stores. A request is prepared to transfer funds from each entity's bank account having a positive net settlement amount into a central entity bank account. A request is also prepared to transfer funds into each entity's bank account having a negative net settlement amount from the central entity bank account.
    Type: Application
    Filed: January 30, 2003
    Publication date: August 5, 2004
    Applicant: First Data Corporation
    Inventors: David Baumgartner, Kevin James, Keith Newbrough
  • Publication number: 20040098326
    Abstract: A method for performing financial transactions in different currencies proceeds by entering an identifier of a presentation instrument into a point-of-sale device along with a redemption amount in a transaction currency that is different from the base currency that is associated with the presentation instrument. The identifier, the redemption amount and a transaction currency code are transmitted to a host computer system. In turn, the host computer system transmits back to the point-of-sale device a new balance in the base currency.
    Type: Application
    Filed: November 1, 2002
    Publication date: May 20, 2004
    Applicant: First Data Corporation
    Inventors: Kevin A. James, David R. Baumgartner, Keith A. Newbrough, Peter A. Pridgeon, Ryan G. Teixeira, Danielle E. Cox
  • Publication number: 20040065726
    Abstract: A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
    Type: Application
    Filed: October 8, 2002
    Publication date: April 8, 2004
    Applicant: First Data Corporation
    Inventors: Christopher R. McGee, David R. Baumgartner, Keith A. Newbrough, Kenneth Algiene