Patents by Inventor Matthew Wease
Matthew Wease 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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Publication number: 20240095735Abstract: Described is a computer system for creating a digital record of a physical item of value. The computer system includes a network computer device comprising at least one processor communicatively coupled to at least one memory and a distributed network of computer nodes each associated with a respective entity of a plurality of entities, each computer node comprising a camera and an optical character recognition (OCR) application executable thereon, each computer node is communicatively coupled to the network computer device.Type: ApplicationFiled: November 28, 2023Publication date: March 21, 2024Inventors: Shawn Mehrhoff, Matthew Wease, Christopher T. Scholl
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Patent number: 11854012Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.Type: GrantFiled: May 26, 2022Date of Patent: December 26, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett
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Patent number: 11528143Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.Type: GrantFiled: June 22, 2020Date of Patent: December 13, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20220284440Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.Type: ApplicationFiled: May 26, 2022Publication date: September 8, 2022Inventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett
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Patent number: 11354762Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.Type: GrantFiled: December 1, 2017Date of Patent: June 7, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher T. Scholl, Regan E. Harmon, William Raymond Bowie, Matthew Wease
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Patent number: 11348109Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.Type: GrantFiled: August 19, 2020Date of Patent: May 31, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett
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Publication number: 20220101311Abstract: Described are systems and methods for tracking a physical currency. A computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is configured to store a plurality of currency identifiers associated with a respective plurality of physical currency units and store a plurality of entity identifiers associated with a respective plurality of an individual currency accounts. The processor is further configured to create and store a first electronic record including a first currency identifier and a first entity identifier. The record indicates that a first entity is a registered owner of a first physical currency unit. The processor is further configured to create and store a second record, in response to a transfer of the first currency unit to a second entity. The second record indicates that the second entity is a registered owner of a first physical currency unit.Type: ApplicationFiled: September 28, 2020Publication date: March 31, 2022Inventors: Shawn Mehrhoff, Matthew Wease, Christopher T. Scholl
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Patent number: 10891683Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.Type: GrantFiled: February 13, 2018Date of Patent: January 12, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Regan E. Harmon, Matthew Wease, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20200380527Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes prompting a consumer to provide a biometric in connection with a transaction by the consumer, and receiving a payment account credential specific to a payment account for use in the transaction. The method also includes appending a biometric score and an indication of a biometric technology used to capture the biometric to an authorization request associated with the transaction, and transmitting, by the computing device, the authorization request to an issuer.Type: ApplicationFiled: August 19, 2020Publication date: December 3, 2020Inventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett
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Publication number: 20200322157Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.Type: ApplicationFiled: June 22, 2020Publication date: October 8, 2020Inventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Patent number: 10769634Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes causing a biometric associated with a consumer to be received, when the consumer presents a payment device for funding a transaction with a merchant via a payment account associated with the payment device. The method also includes appending, by a computing device, a biometric score to an authorization request associated with the transaction at the merchant where the biometric score is indicative of a degree of match between the received biometric and a reference biometric, and transmitting, by the computing device, the authorization request whereby an issuer associated with the payment account is able to utilize the biometric score in determining to approve or decline the transaction.Type: GrantFiled: June 13, 2016Date of Patent: September 8, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett
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Patent number: 10693650Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.Type: GrantFiled: December 19, 2017Date of Patent: June 23, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20190251621Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.Type: ApplicationFiled: February 13, 2018Publication date: August 15, 2019Inventors: Regan E. Harmon, Matthew Wease, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20190190718Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.Type: ApplicationFiled: December 19, 2017Publication date: June 20, 2019Inventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20190172167Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.Type: ApplicationFiled: December 1, 2017Publication date: June 6, 2019Inventors: Christopher T. Scholl, Regan E. Harmon, William Raymond Bowie, Matthew Wease
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Publication number: 20170357981Abstract: Systems and methods are provided for use in processing transactions based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed. One exemplary method includes causing a biometric associated with a consumer to be received, when the consumer presents a payment device for funding a transaction with a merchant via a payment account associated with the payment device. The method also includes appending, by a computing device, a biometric score to an authorization request associated with the transaction at the merchant where the biometric score is indicative of a degree of match between the received biometric and a reference biometric, and transmitting, by the computing device, the authorization request whereby an issuer associated with the payment account is able to utilize the biometric score in determining to approve or decline the transaction.Type: ApplicationFiled: June 13, 2016Publication date: December 14, 2017Inventors: Mark Jules Azzam, John Eric Roberts, Matthew Wease, Brett Jon Halkett