Patents by Inventor Michael A. Devine

Michael A. Devine 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).

  • Systems and methods for credit card fee calculation
    Patent number: 7882028
    Abstract: In some embodiments, a calculation system may be used by a merchant to determine a merchant fee associated with a credit card transaction. The calculation system may consider various characteristics for the transaction to determine merchant fees associated with the transaction. For example, the calculation system may consider the relative security of the transaction, the length of time the transaction has been in an open batch, whether the credit card information is swiped or keyed in, whether address information for the transaction was verified, etc. The calculation system may analyze credit card transactions in real time and/or may analyze past merchant fee statements to determine the merchant fees associated with one or more past transactions. In some embodiments, the calculation system may be used by a card processor to analyze data from a merchant to determine a competitive rate/fee to offer the merchant.
    Type: Grant
    Filed: March 27, 2008
    Date of Patent: February 1, 2011
    Assignee: Intuit Inc.
    Inventors: Michael A. Devine, Todd M. Fitch
  • Pair of shorts
    Patent number: D341243
    Type: Grant
    Filed: October 19, 1990
    Date of Patent: November 16, 1993
    Inventors: Thomas F. Costella, Michael A. Devine