Patents by Inventor Margot Luna-Victoria

Margot Luna-Victoria 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).

  • Tiered processing method and system for identifying and mitigating merchant risk
    Patent number: 7620592
    Abstract: A method for identifying merchant risk includes collecting data elements for a plurality of merchants; automatically performing a first level process using the data elements so as to identify a first subset of merchants for review; automatically performing a second level process so as to collect additional information for the first subset of merchants; and automatically performing a third level process using the first subset of merchants and the additional information so as to identify a second subset of merchants requiring further review. A system for practicing the method is also disclosed.
    Type: Grant
    Filed: February 26, 2001
    Date of Patent: November 17, 2009
    Assignee: First Data Corporation
    Inventors: Timothy L. O'Mara, Amy Marques, Margot Luna-Victoria, Patricia A. Martell
  • Automated system and method for monitoring financial transactions
    Patent number: 6490568
    Abstract: An automated system and method which monitors the cash flow of the merchant account and maintains a minimum balance for each merchant account based upon allowable delays. The automated system/method includes a point of sale device and data files for transactional activity. The point of sale device resides at the merchant's premises and is used for commercial transactions between a credit card holder and a merchant. The data files are comprised of the net transactional activity between the credit card holder and the merchant. The system further includes a merchant credit card transaction processor for processing data files at the merchant premises and a merchant database. The system further includes a transaction processor in communication with the merchant credit card transaction processor, the merchant database and a plurality of card issuers.
    Type: Grant
    Filed: December 29, 1999
    Date of Patent: December 3, 2002
    Assignee: First Data Corporation
    Inventors: Timothy L. O'Mara, Margot Luna-Victoria, Daniel B. Spalt
  • Tiered processing method and system for identifying and mitigating merchant risk
    Publication number: 20020120559
    Abstract: A method for identifying merchant risk includes collecting data elements for a plurality of merchants; automatically performing a first level process using the data elements so as to identify a first subset of merchants for review; automatically performing a second level process so as to collect additional information for the first subset of merchants; and automatically performing a third level process using the first subset of merchants and the additional information so as to identify a second subset of merchants requiring further review. A system for practicing the method is also disclosed.
    Type: Application
    Filed: February 26, 2001
    Publication date: August 29, 2002
    Inventors: Timothy L. O'Mara, Amy Marques, Margot Luna-Victoria, Patricia A. Martell