Patents by Inventor Mark Carlson

Mark Carlson 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: 10163109
    Abstract: Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.
    Type: Grant
    Filed: March 20, 2017
    Date of Patent: December 25, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ayman Hammad, Mark Carlson
  • Publication number: 20180365690
    Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.
    Type: Application
    Filed: August 28, 2018
    Publication date: December 20, 2018
    Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
  • Publication number: 20180364770
    Abstract: A server computer determines, based on interaction data, that the first device and the second device are to be paired with each other. After pairing the first device and the second device, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list).
    Type: Application
    Filed: August 22, 2018
    Publication date: December 20, 2018
    Inventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Krishna Prasad Koganti
  • Publication number: 20180354687
    Abstract: A container having a base and a lid is provided. The lid may be rotatable about a hinge from a closed configuration to an open configuration and may be secured, via one or more latching assemblies. The latching assembly may comprise a latch body, a locking member, a biasing member, and an activating member. Additional features of the container may include handles and strength increasing features. The base and lid may also feature attachment points for various accessories.
    Type: Application
    Filed: June 12, 2018
    Publication date: December 13, 2018
    Inventors: Roy Joseph Seiders, Steve Charles Nichols, Kyle Ellison, Andy Bondhus, Tobias Hotchkiss, Liza Morris, Dennis Zuck, Ryan Nixon, Mark Carlson Rane
  • Publication number: 20180349922
    Abstract: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.
    Type: Application
    Filed: July 24, 2018
    Publication date: December 6, 2018
    Inventors: Mark Carlson, Patrick Stan
  • Publication number: 20180300716
    Abstract: The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.
    Type: Application
    Filed: June 21, 2018
    Publication date: October 18, 2018
    Inventor: Mark Carlson
  • Patent number: 10095276
    Abstract: Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices.
    Type: Grant
    Filed: November 23, 2010
    Date of Patent: October 9, 2018
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Kris Koganti
  • Publication number: 20180285705
    Abstract: In one embodiment, the present invention provides a method and communication device with an emulated mag stripe capability. Information is transmitted in the mag stripe data indicating that the communication device has chip capability as well. This information is used by a server on the back-end (acquirer, issuer, network) to take advantage of that chip capability. For example, additional fields can be used for security measures and communication over the telecommunications network with the device can be performed to provide a more secure communication with a terminal. In one embodiment, the additional information is provided in the service code, using a unique 3 digit code other than 2xx.
    Type: Application
    Filed: June 5, 2018
    Publication date: October 4, 2018
    Inventors: Ayman Hammad, Mark Carlson
  • Publication number: 20180288166
    Abstract: In one embodiment, a system and method is provided to intercept an approval routing at a check-out and before the submission over the legacy routing system and before the starting of associated timers. Data identifying a customer account is routed over a different system for additional functions. Upon completion of the routing over the different system, the customer account data is submitted to the merchant POS to start the legacy approval routing.
    Type: Application
    Filed: March 29, 2018
    Publication date: October 4, 2018
    Inventors: Mark CARLSON, Gary BENDER, Robert RUTHERFORD, Patrick STAN
  • Patent number: 10089624
    Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
    Type: Grant
    Filed: January 17, 2012
    Date of Patent: October 2, 2018
    Assignee: VISA U.S.A. INC.
    Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
  • Patent number: 10083434
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: April 14, 2015
    Date of Patent: September 25, 2018
    Assignee: VISA U.S.A. INC.
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Patent number: 10078837
    Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: September 18, 2018
    Assignee: Visa International Service Association
    Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
  • Publication number: 20180244432
    Abstract: An accessory for use with a portable container includes a jacket having a storage member and configured to extend around at least a portion of the sidewall of the container and a connection member connected to the jacket and configured to support the jacket in connection with the container. The connection member includes a connector configured to be connected to a port on the container such that a portion of the connector is received through the port.
    Type: Application
    Filed: June 7, 2017
    Publication date: August 30, 2018
    Applicant: YETI Coolers, LLC
    Inventors: Roy Joseph Seiders, Mark Carlson Rane, Donald Edward Desroches, Tobias Hotchkiss
  • Patent number: 10055745
    Abstract: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.
    Type: Grant
    Filed: September 20, 2011
    Date of Patent: August 21, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Mark Carlson, Patrick Stan
  • Publication number: 20180225678
    Abstract: Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.
    Type: Application
    Filed: April 3, 2018
    Publication date: August 9, 2018
    Inventors: John Hamilton MacIlwaine, Kirstin Garen, Mark Carlson, George William Coombes, IV, Russell P. Zink, Patrick Stan, Surendra Keshan
  • Patent number: 10043178
    Abstract: The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not.
    Type: Grant
    Filed: May 29, 2012
    Date of Patent: August 7, 2018
    Assignee: Visa International Service Association
    Inventor: Mark Carlson
  • Publication number: 20180211244
    Abstract: A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction.
    Type: Application
    Filed: March 19, 2018
    Publication date: July 26, 2018
    Inventors: Mark Carlson, Ayman Hammad
  • Patent number: 10026032
    Abstract: In one embodiment, the present invention provides a method and communication device with an emulated mag stripe capability. Information is transmitted in the mag stripe data indicating that the communication device has chip capability as well. This information is used by a server on the back-end (acquirer, issuer, network) to take advantage of that chip capability. For example, additional fields can be used for security measures and communication over the telecommunications network with the device can be performed to provide a more secure communication with a terminal. In one embodiment, the additional information is provided in the service code, using a unique 3 digit code other than 2xx.
    Type: Grant
    Filed: May 30, 2017
    Date of Patent: July 17, 2018
    Assignee: Cameros Bay Capital, LLC
    Inventors: Ayman Hammad, Mark Carlson
  • Publication number: 20180189801
    Abstract: A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.
    Type: Application
    Filed: February 28, 2018
    Publication date: July 5, 2018
    Inventors: Mark Carlson, Peter Ciurea
  • Publication number: 20180181971
    Abstract: Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.
    Type: Application
    Filed: February 26, 2018
    Publication date: June 28, 2018
    Inventors: John Hamilton MacIlwaine, Kirstin Garen, Mark Carlson, George William Coombes, IV, Russell P. Zink, Patrick Stan, Surendra Keshan