Patents by Inventor Leigh Amaro
Leigh Amaro 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: 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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Patent number: 9324088Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: February 25, 2013Date of Patent: April 26, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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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: 20140351048Abstract: A system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.Type: ApplicationFiled: August 13, 2014Publication date: November 27, 2014Inventors: Edward W. Fordyce, Leigh Amaro, Michelle Eng Winters, Nurtekin Savas, Charles Raymond Byce, Ryan Hagey
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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: 8843391Abstract: 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 and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.Type: GrantFiled: October 19, 2011Date of Patent: September 23, 2014Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Leigh Amaro, Michelle Eng Winters, Nurtekin Savas, Charles Raymond Byce, Ryan Hagey
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Publication number: 20140244352Abstract: In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.Type: ApplicationFiled: May 1, 2014Publication date: August 28, 2014Applicant: VISA U.S.A. INC.Inventors: Edward W. Fordyce, III, Michelle Eng Winters, Leigh Amaro
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Publication number: 20140236672Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: ApplicationFiled: April 29, 2014Publication date: August 21, 2014Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston
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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: 8626705Abstract: Systems and methods for determining aggregated transaction level data for specific group characteristics are provided. Aggregated transaction level data can be used for target marketing campaigns by looking at past and potential spending habits of populations with group characteristics specified in the transaction data aggregates. The aggregates can also be used to measure the effectiveness of a particular marketing campaign by correlating the spending patters of a particular group with sales resulting from the campaign.Type: GrantFiled: July 8, 2010Date of Patent: January 7, 2014Assignee: Visa International Service AssociationInventors: Melyssa Barrett, Michelle Winters, Leigh Amaro
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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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Patent number: 8595058Abstract: 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 and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.Type: GrantFiled: August 3, 2010Date of Patent: November 26, 2013Assignee: Visa U.S.A.Inventors: Edward W. Fordyce, III, Leigh Amaro, Michelle Eng Winters, Nurtekin Savas, Charles Raymond Byce, Ryan Hagey
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Publication number: 20130275222Abstract: A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals.Type: ApplicationFiled: June 11, 2013Publication date: October 17, 2013Inventors: Leigh Amaro, Parag Ladhawala
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Patent number: 8407148Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: October 19, 2011Date of Patent: March 26, 2013Assignee: Visa U.S.A. Inc.Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Patent number: 8359274Abstract: In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: June 2, 2011Date of Patent: January 22, 2013Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Publication number: 20120239479Abstract: A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals.Type: ApplicationFiled: March 14, 2012Publication date: September 20, 2012Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Leigh Amaro, Parag Ladhawala
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Publication number: 20120215610Abstract: A computing apparatus is configured to use the transaction data of a user and the transaction data of the friends of the user to generate a profile to identify, select, and/or customize an offer that is initially communicated to the user. The offer is shareable by the user with the friends of the user. The computing apparatus is configured to monitor the transactions of the user and/or the friends of the user to detect a transaction that satisfies the redemption requirement of the offer and thus provide the benefit of the offer to the purchaser involved in the transaction, which may be the user or one of the friends of the user.Type: ApplicationFiled: February 14, 2012Publication date: August 23, 2012Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Leigh Amaro, Michelle Eng Winters