Patents by Inventor Mark Dickelman

Mark Dickelman 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: 20250045712
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Application
    Filed: August 9, 2024
    Publication date: February 6, 2025
    Inventor: Mark Dickelman
  • Patent number: 12093906
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Grant
    Filed: November 22, 2022
    Date of Patent: September 17, 2024
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11748726
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: January 8, 2019
    Date of Patent: September 5, 2023
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11610243
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: March 21, 2023
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11507930
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: November 22, 2022
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 11455623
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: November 3, 2020
    Date of Patent: September 27, 2022
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Publication number: 20200349619
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Application
    Filed: July 16, 2020
    Publication date: November 5, 2020
    Inventor: Mark Dickelman
  • Patent number: 10825020
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: November 3, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10733643
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: August 4, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10679194
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: June 9, 2020
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10360559
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous networks. Circuitry receives and processes electronic transaction data to identify a user via information provided in the transaction data, and uses the identification to access profile information for selecting one of a plurality of networks. In this context, a user can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a transaction network for the user, which may be completely independent from the identification. Data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured data is transmitted to the selected network.
    Type: Grant
    Filed: January 28, 2016
    Date of Patent: July 23, 2019
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 10275745
    Abstract: The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
    Type: Grant
    Filed: November 21, 2013
    Date of Patent: April 30, 2019
    Assignee: JPMorgan Chase Bank, N.A.
    Inventors: Matthew W. Hankins, William F. Mann, Mark Dickelman
  • Patent number: 10176468
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: June 10, 2016
    Date of Patent: January 8, 2019
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Publication number: 20180165729
    Abstract: An electronic transaction interface circuit routes transaction data for processing using disparate electronic payment systems. According to an example embodiment, a software-programmed computer interface circuit receives transaction data from a point-of-sale device, and routes the data according to identifier data in the transaction data. Certain sets of transaction data are routed directly to a payment network, and other sets of transaction data are routed to an electronic payment processing system that selects and routes data upon disparate payment networks for each of a buyer and seller involved in a transaction to which the transaction data corresponds. Some embodiments involve selecting the disparate payment networks based upon selection rule data defined by buyer and/or seller participants in the transactions.
    Type: Application
    Filed: November 30, 2017
    Publication date: June 14, 2018
    Inventor: Mark Dickelman
  • Patent number: 9881131
    Abstract: Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers.
    Type: Grant
    Filed: April 4, 2016
    Date of Patent: January 30, 2018
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9799028
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a seller using information provided in the transaction data, and uses the identification to access seller profile information for selecting one of a plurality of networks. In this context, a seller can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the seller, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: October 24, 2017
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Publication number: 20170039609
    Abstract: A variety of systems, methods and arrangements are implemented in connection with a processor-controlled routing arrangement. According to one such implementation, a computer-implemented method facilitates payment provided between disparate payment networks of buyers and sellers. The method uses a computer-arrangement to interface with a social website that has user profiles, each user profile corresponding to a user identifier, and for use with a seller website that offers products or services for purchase by users and that generates transaction data for a current user accessing the website. A current user identifier corresponding to a current user profile and the transaction data is communicates to the computer-arrangement. A buyer payment network is selected from a plurality of disparate buyer payment networks that are each associated with the current user identifier. Based upon the selection, the transaction data is formatted to facilitate payment against the selected buyer payment network.
    Type: Application
    Filed: October 19, 2016
    Publication date: February 9, 2017
    Inventor: Mark Dickelman
  • Patent number: 9424562
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: August 23, 2016
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9367839
    Abstract: Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: June 14, 2016
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman
  • Patent number: 9251510
    Abstract: Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a buyer using information provided in the transaction data, and uses the identification to access buyer profile information for selecting one of a plurality of networks. In this context, a buyer can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the buyer, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols.
    Type: Grant
    Filed: November 25, 2008
    Date of Patent: February 2, 2016
    Assignee: U.S. Bank National Association
    Inventor: Mark Dickelman