Patents by Inventor Laura DiGioacchino
Laura DiGioacchino 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: 20130066771Abstract: A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data.Type: ApplicationFiled: July 19, 2012Publication date: March 14, 2013Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Laura DiGioacchino, James Alan VonDerheide
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Publication number: 20130030972Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant or a financial service provider, the merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit.Type: ApplicationFiled: August 2, 2012Publication date: January 31, 2013Inventor: Laura DiGioacchino
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Publication number: 20110218838Abstract: The ECONOMETRICAL INVESTMENT STRATEGY ANALYSIS APPARATUSES, METHODS AND SYSTEMS (“EISA”) transform raw card-based transaction data via EISA components into business analytics reports. In one embodiment, the EISA may obtain an investment strategy analysis request. The EISA may determine a scope of aggregation of card-based transaction data records for investment strategy analysis and aggregate the card-based transaction data records for investment strategy analysis according to the determined scope. The EISA may generate anonymized card transaction data by removing identifying characteristics from the aggregated transaction data. The EISA may determine a forecast regression equation using the anonymized card-based transaction data records. Using the forecast regression equation, the EISA may calculate a forecast for retail spending in a specified spending category.Type: ApplicationFiled: March 1, 2011Publication date: September 8, 2011Inventors: Chuck Byce, Laura DiGioacchino
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Publication number: 20110153500Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account.Type: ApplicationFiled: March 4, 2011Publication date: June 23, 2011Inventor: Laura DiGioacchino
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Patent number: 7966257Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account. In response, the financial service provider sends the merchant the requested information.Type: GrantFiled: November 7, 2008Date of Patent: June 21, 2011Assignee: Visa USA, Inc.Inventor: Laura DiGioacchino
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Publication number: 20110087530Abstract: In one aspect, 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: October 1, 2010Publication date: April 14, 2011Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, 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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Publication number: 20110087531Abstract: 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: ApplicationFiled: October 7, 2010Publication date: April 14, 2011Applicant: 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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Patent number: 7925587Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account. In response, the financial service provider sends the merchant the requested information.Type: GrantFiled: November 7, 2008Date of Patent: April 12, 2011Assignee: Visa U.S.A. Inc.Inventor: Laura DiGioacchino
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Publication number: 20110066483Abstract: A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the transaction occurs within a predetermined time period for which there is a rebate associated with the product and a corresponding sponsor financially responsible for the rebate, the computer communicates that the rebate is to be debited to an account of the sponsor and either: (i) given as a discount by the merchant at the point of sale to the account holder; or (ii) credited to an account issued to the account holder by the issuer.Type: ApplicationFiled: May 20, 2010Publication date: March 17, 2011Inventors: Diane C. Salmon, James Alan VonDerheide, Edward W. Fordyce, III, David Chauncey Shepard, Gregory Michael Adams, Laura DiGioacchino
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Patent number: 7904389Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account.Type: GrantFiled: May 30, 2007Date of Patent: March 8, 2011Assignee: Visa U.S.A. Inc.Inventor: Laura DiGioacchino
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Publication number: 20100036769Abstract: Account holder identification is used to access and retrieve the account holder's accounts and attributes thereof. A user interface receives a selected account for which merchants having conducted transactions on the selected account are retrieved and displayed on the user interface. The account holder selects which merchants are to receive updated attributes of the selected account, such as a new expiration, a new billing address, a new credit limit, a name change of the account holder, etc.Type: ApplicationFiled: August 5, 2008Publication date: February 11, 2010Inventors: Michelle E. Winters, Lubna Samad, Laura DiGioacchino
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Publication number: 20100036768Abstract: Signals are received representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions. The transactions affect one or more accounts of the customer or domestic unit at each of the plurality of financial institutions. Data are stored representing the transactions in a machine readable storage medium. At least one benchmark is computed. The benchmark is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions. Data representing the benchmark are transmitted to the first financial institution.Type: ApplicationFiled: March 4, 2009Publication date: February 11, 2010Applicant: Visa U.S.A. Inc.Inventor: Laura DiGioacchino
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Publication number: 20090063346Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account.Type: ApplicationFiled: November 7, 2008Publication date: March 5, 2009Inventor: Laura DiGioacchino
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Publication number: 20090063347Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account.Type: ApplicationFiled: November 7, 2008Publication date: March 5, 2009Inventor: Laura DiGioacchino
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Publication number: 20090048884Abstract: A benchmarking tool generates reports for delivery to a merchant illustrating a performance of the merchant as compared to the performance of the merchant's peers. The performance is illustrated through metrics that algorithmically combine data on transactions of consumers with the merchant or its peers, respectively. The metrics may be further subdivided into consumer groups such as new consumers, consumers that have shopped within the merchant in the past, consumers that no longer shop within the merchant, or consumers that use a commercial account to pay for purchases. The reports may be rendered in a graphical display for use by the merchant.Type: ApplicationFiled: August 14, 2008Publication date: February 19, 2009Inventors: Jeffrey Rolland Olives, Jay Allen DeWitt, Dennis Norman Moser, James C. Salters, Laura DiGioacchino, Alex Epelman
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Publication number: 20080301050Abstract: A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. Each merchant has an acquirer with whom the financial service provider also coordinates the accounts. The method can be performed by a merchant sending a transmission to its acquirer including a request for a transaction against one account to which the merchant receives a denial or prior to receiving such a denial. The merchant then requests information from the financial service provider who responds by sending the requested information, upon which the merchant determines whether to extend the credit. When the method is performed by a financial service provider, in response to the denial received by one merchant or prior to such denial, the financial service provider receives a transmission from the merchant including a request for information about the account.Type: ApplicationFiled: May 30, 2007Publication date: December 4, 2008Inventor: Laura DiGioacchino