Patents by Inventor Kyle Patrick Clark

Kyle Patrick Clark 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: 11514469
    Abstract: A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.
    Type: Grant
    Filed: April 6, 2016
    Date of Patent: November 29, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Publication number: 20210295316
    Abstract: A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account.
    Type: Application
    Filed: June 7, 2021
    Publication date: September 23, 2021
    Inventor: Kyle Patrick Clark
  • Patent number: 11030587
    Abstract: A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account.
    Type: Grant
    Filed: April 30, 2014
    Date of Patent: June 8, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Patent number: 10943251
    Abstract: A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.
    Type: Grant
    Filed: April 6, 2016
    Date of Patent: March 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Patent number: 9947003
    Abstract: A computer-implemented method for providing cardholder account information in response to gestures at a mobile computing device to facilitate a payment transaction is implemented by a mobile computing device coupled to a memory. The method includes receiving a first haptic gesture associated with a financial transaction, providing a plurality of payment method options retrieved from a data repository based upon the first haptic gesture, receiving a second haptic gesture comprising a payment method selection selected from the plurality of payment method options, and providing a plurality of cardholder account information for the financial transaction, the plurality of cardholder account information provided based at least in part on the payment method selection.
    Type: Grant
    Filed: March 24, 2014
    Date of Patent: April 17, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Kyle Patrick Clark
  • Publication number: 20170293931
    Abstract: A method for determining rebate eligibility of an electronic transaction is described. The method includes identifying an account profile based on a received transaction message; generating a reward cost based on reward rules; and determining eligibility for reward usage by the transaction account related to the identified specific account profile based on a correspondence between a stored reward value and the generated reward cost.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 12, 2017
    Applicant: MasterCard International Incorporated
    Inventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
  • Publication number: 20170293927
    Abstract: A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 12, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Kyle Patrick CLARK
  • Publication number: 20170293932
    Abstract: A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 12, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Kyle Patrick CLARK
  • Publication number: 20170293930
    Abstract: A method for determining rebate eligibility of a transaction account is described. The method includes receiving a real-time message including a reason code; identifying a specific account profile from a plurality of profiles; validating the reason code based on a plurality of predetermined valid reason codes; and validating a transaction account related to the identified specific account profile for eligibility of a rebate based on at least the included account balance and a cost value included in the real-time message.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 12, 2017
    Applicant: MasterCard International Incorporated
    Inventors: Kyle Patrick CLARK, Christopher Andrew GUINEY, Jensen James E. PASTRANA
  • Publication number: 20170293926
    Abstract: A method for generating a controlled payment number using reward value is described. The method includes receiving a redemption request including a specific account identifier and a reward amount; validating a reward balance included in a specific account; generating a controlled payment number request that includes at least the specific account identifier and a currency amount based on the reward amount; electronically transmitting the generated controlled payment number to a computing device to generate a controlled payment number.
    Type: Application
    Filed: April 6, 2016
    Publication date: October 12, 2017
    Applicant: MasterCard International Incorporated
    Inventor: Kyle Patrick CLARK
  • Publication number: 20150317613
    Abstract: A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account.
    Type: Application
    Filed: April 30, 2014
    Publication date: November 5, 2015
    Applicant: MasterCard International Incorporated
    Inventor: Kyle Patrick Clark
  • Publication number: 20150269555
    Abstract: A computer-implemented method for providing cardholder account information in response to gestures at a mobile computing device to facilitate a payment transaction is implemented by a mobile computing device coupled to a memory. The method includes receiving a first haptic gesture associated with a financial transaction, providing a plurality of payment method options retrieved from a data repository based upon the first haptic gesture, receiving a second haptic gesture comprising a payment method selection selected from the plurality of payment method options, and providing a plurality of cardholder account information for the financial transaction, the plurality of cardholder account information provided based at least in part on the payment method selection.
    Type: Application
    Filed: March 24, 2014
    Publication date: September 24, 2015
    Applicant: MasterCard International Incorporated
    Inventor: Kyle Patrick Clark