Patents by Inventor Kevin Paul Siegel
Kevin Paul Siegel 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: 10580005Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.Type: GrantFiled: April 21, 2015Date of Patent: March 3, 2020Assignee: VISA U.S.A. INC.Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
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Publication number: 20160217446Abstract: A system including a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.Type: ApplicationFiled: April 5, 2016Publication date: July 28, 2016Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas
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Patent number: 9384493Abstract: A computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model.Type: GrantFiled: February 28, 2013Date of Patent: July 5, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Theodore Harris, Patrick Faith, Kevin Paul Siegel, Scott Edington
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Patent number: 9342835Abstract: In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.Type: GrantFiled: August 3, 2010Date of Patent: May 17, 2016Assignee: VISA U.S.AInventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas
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Publication number: 20150227936Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.Type: ApplicationFiled: April 21, 2015Publication date: August 13, 2015Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
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Patent number: 9031860Abstract: In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.Type: GrantFiled: October 7, 2010Date of Patent: May 12, 2015Assignee: Visa U.S.A. Inc.Inventors: Michelle Eng Winters, Alfred William Griggs, Laura DiGioacchino, Diane C. Salmon, Kevin Paul Siegel, Kaushik Subramanian, James Alan VonDerheide, Edward W. Fordyce, III, Leigh Amaro
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Publication number: 20150058108Abstract: A computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.Type: ApplicationFiled: October 31, 2014Publication date: February 26, 2015Inventors: Michelle Eng Winters, Alfred William Griggs, Laura DiGioacchino, Diane C. Salmon, Kevin Paul Siegel, Kaushik Subramanian, James Alan VonDerheide, Edward W. Fordyce, Leigh Amaro
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Publication number: 20140344068Abstract: In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.Type: ApplicationFiled: July 30, 2014Publication date: November 20, 2014Applicant: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas, James Alan VonDerheide, Diane C. Salmon
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Publication number: 20140310086Abstract: A computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier.Type: ApplicationFiled: June 24, 2014Publication date: October 16, 2014Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, Leigh Amaro, Michelle Eng Winters, Alfred William Griggs, Laura DiGioacchino, Diane C. Salmon, Kevin Paul Siegel, Kaushik Subramanian, James Alan VonDerheide
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Patent number: 8744906Abstract: In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.Type: GrantFiled: August 30, 2011Date of Patent: June 3, 2014Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas, James Alan VonDerheide, Diane C. Salmon
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Patent number: 8626579Abstract: In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.Type: GrantFiled: August 30, 2011Date of Patent: January 7, 2014Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas, Peter Ciurea, James Alan VonDerheide, Diane C. Salmon
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Patent number: 8620798Abstract: An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.Type: GrantFiled: September 8, 2010Date of Patent: December 31, 2013Assignee: Visa International Service AssociationInventors: Patrick L. Faith, Zhongxiao Jiang, Kevin Paul Siegel, Theodore D. Harris
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Patent number: 8606630Abstract: In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.Type: GrantFiled: August 30, 2011Date of Patent: December 10, 2013Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas
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Publication number: 20130231974Abstract: A computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model.Type: ApplicationFiled: February 28, 2013Publication date: September 5, 2013Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Theodore Harris, Patrick Faith, Kevin Paul Siegel, Scott Edington
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Patent number: 8473415Abstract: A system, apparatus, and method for reducing fraud in payment transactions by identifying a potential point of compromise (POC) that may lead to subsequent fraudulent transactions, or confirming that a suspected point of compromise is in fact responsible for a security breach leading to fraudulent payment transactions. The invention is also directed to a system, apparatus, and method for identifying data or transaction characteristics that may be used to most effectively identify a point of compromise in a payment transaction system.Type: GrantFiled: May 3, 2011Date of Patent: June 25, 2013Inventors: Kevin Paul Siegel, Randi Annette Paynter, Robert L. Grossman, Christopher Brown, Charles Raymond Byce, Thomas Dwyer, Aoyu Chen
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Publication number: 20120109709Abstract: In one aspect, a computing apparatus is configured to generate audience measurement data regarding presentation of information to a plurality of customers via one or more media channels, identify the plurality of customers to a transaction handler to request information, receive the information generated based on transaction data related to a plurality of transactions processed at the transaction handler, and generate a report based on the audience measurement data and the information generated based on the transaction data. The one or more media channels may include an online media channel, a mobile communication channel, or an offline media channel, such as television broadcast, radio broadcast, newspaper, magazine, direct mail, billboard, etc.Type: ApplicationFiled: October 19, 2011Publication date: May 3, 2012Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Charles Raymond Byce, Kevin Paul Siegel, Ryan Hagey, Leigh Amaro, Nurtekin Savas
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Publication number: 20110307382Abstract: A system, apparatus, and method for reducing fraud in payment transactions by identifying a potential point of compromise (POC) that may lead to subsequent fraudulent transactions, or confirming that a suspected point of compromise is in fact responsible for a security breach leading to fraudulent payment transactions.Type: ApplicationFiled: May 3, 2011Publication date: December 15, 2011Inventors: Kevin Paul Siegel, Randi Annette Paynter, Robert L. Grossman, Christopher Brown, Charles Raymond Byce, Thomas Dwyer, Aoyu Chen
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Publication number: 20110302036Abstract: In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.Type: ApplicationFiled: August 30, 2011Publication date: December 8, 2011Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas
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Publication number: 20110302039Abstract: In one aspect, a computing apparatus is configured to receive a request for a profile to customize information for presentation to a user identified in the request and, responsive to the request identifying the user, provide the profile that is generated based on transaction data of the user. The profile summarizes the transaction data of the user using a plurality of values representing aggregated spending in various areas. The information includes an advertisement selected, prioritized, adjusted, or generated based on the profile. The advertisement includes at least an offer, such as a discount, incentive, reward, coupon, gift, cash back, benefit, product, or service.Type: ApplicationFiled: August 30, 2011Publication date: December 8, 2011Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas, James Alan VonDerheide, Diane C. Salmon
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Publication number: 20110302022Abstract: In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.Type: ApplicationFiled: August 30, 2011Publication date: December 8, 2011Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Kevin Paul Siegel, Leigh Amaro, Charles Raymond Byce, Nurtekin Savas, Peter Ciurea, James Alan VonDerheide, Diane C. Salmon