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).

  • Publication number: 20180158091
    Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.
    Type: Application
    Filed: February 2, 2018
    Publication date: June 7, 2018
    Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
  • Publication number: 20180150833
    Abstract: Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer.
    Type: Application
    Filed: January 23, 2018
    Publication date: May 31, 2018
    Inventor: Mark Carlson
  • Publication number: 20180149486
    Abstract: Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user.
    Type: Application
    Filed: January 23, 2018
    Publication date: May 31, 2018
    Inventors: Joseph Spears, Mark Carlson, Patrick Stan
  • Patent number: 9953309
    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: Grant
    Filed: September 20, 2011
    Date of Patent: April 24, 2018
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Ayman Hammad
  • Patent number: 9940627
    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: Grant
    Filed: December 19, 2007
    Date of Patent: April 10, 2018
    Assignee: Visa U.S.A. Inc.
    Inventors: Mark Carlson, Peter Ciurea
  • Publication number: 20180089753
    Abstract: Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers.
    Type: Application
    Filed: November 14, 2017
    Publication date: March 29, 2018
    Inventors: Edward KATZIN, Mark CARLSON
  • Patent number: 9922338
    Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.
    Type: Grant
    Filed: March 14, 2013
    Date of Patent: March 20, 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
  • Patent number: 9921072
    Abstract: Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user.
    Type: Grant
    Filed: November 8, 2013
    Date of Patent: March 20, 2018
    Assignee: Visa International Service Association
    Inventors: Joseph Spears, Mark Carlson, Patrick Stan
  • Patent number: 9912483
    Abstract: A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.
    Type: Grant
    Filed: July 13, 2016
    Date of Patent: March 6, 2018
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Michael Steven Bankston, Kalpana Jogi, Timothy Gallagher, Alesia Panagiotides
  • Patent number: 9911118
    Abstract: Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: March 6, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Mark Carlson
  • Publication number: 20180032994
    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: Application
    Filed: August 14, 2017
    Publication date: February 1, 2018
    Inventors: Joan MYERS, Sara Garrison, Mark Carlson
  • Publication number: 20180032722
    Abstract: A user is involved in security on each access of a website, application or other computer element, and leveraging the user to enhance security. In one embodiment, a Post widget is placed on a website login page on the user's browser. The Post widget will record access activity and report the activity to a remote Access Alert server. Upon each subsequent access, a pop-up display will indicate to the user access history, such as recent successful or unsuccessful access activity.
    Type: Application
    Filed: July 25, 2017
    Publication date: February 1, 2018
    Inventors: Mark CARLSON, Patrick STAN
  • Publication number: 20180034775
    Abstract: In some embodiments, a universal filtering and verification hub server is accessible over the Internet from a sponsor computer. A filtering module automatically determines a level of identity verification depending on the sponsor and the type of arrangement desired to be sponsored. An identity module and/or compliance module is activated depending on the sponsor and an automated workflow is executed. Upon completion, an arrangement program ID is generated, and is correlated with a sponsor ID. The communications are encrypted, and a high level of encryption is used for storing an arrangement program ID.
    Type: Application
    Filed: July 25, 2017
    Publication date: February 1, 2018
    Inventors: Mark CARLSON, Patrick STAN
  • Patent number: 9846905
    Abstract: Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers.
    Type: Grant
    Filed: August 20, 2013
    Date of Patent: December 19, 2017
    Assignee: Visa International Service Association
    Inventors: Edward Katzin, Mark Carlson
  • Patent number: D817575
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: May 8, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss
  • Patent number: D818660
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: May 22, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss
  • Patent number: D818661
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: May 22, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss
  • Patent number: D819288
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: May 29, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss
  • Patent number: D819910
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: June 5, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss
  • Patent number: D820542
    Type: Grant
    Filed: March 23, 2017
    Date of Patent: June 12, 2018
    Assignee: YETI Coolers, LLC
    Inventors: Mark Carlson Rane, Donald Edward Desroches, Roy Joseph Seiders, Tobias Hotchkiss