Patents by Inventor Michele Segura
Michele Segura 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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Patent number: 10169772Abstract: Systems and methods for providing automated benefit verification and application are described. The apparatus may include a receiving module to receive a transaction, a transaction processing module to process the transaction and parse a unique identifier, a verification module to verify eligibility for a benefit and a data store to store a plurality of unique identifiers. The method may comprise receiving a credit card transaction, determining if a unique identifier contained within the transaction matches one of a stored listing and prompting a user to accept a benefit if the unique identifier matches one of the stored listing. The method may, alternatively, comprise processing a payment device, determining if the user is entitled to a benefit based on information contained within the payment device, prompting the user to accept or decline the benefit and providing the benefit if accepted.Type: GrantFiled: October 24, 2017Date of Patent: January 1, 2019Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)Inventor: Michele Segura
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Patent number: 9830610Abstract: Systems and methods for providing automated benefit verification and application are described. The apparatus may include a receiving module to receive a transaction, a transaction processing module to process the transaction and parse a unique identifier, a verification module to verify eligibility for a benefit and a data store to store a plurality of unique identifiers. The method may comprise receiving a credit card transaction, determining if a unique identifier contained within the transaction matches one of a stored listing and prompting a user to accept a benefit if the unique identifier matches one of the stored listing. The method may, alternatively, comprise processing a payment device, determining if the user is entitled to a benefit based on information contained within the payment device, prompting the user to accept or decline the benefit and providing the benefit if accepted.Type: GrantFiled: February 24, 2017Date of Patent: November 28, 2017Assignee: UNITED STATES AUTOMOBILE ASSOCIATION (USAA)Inventor: Michele Segura
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Patent number: 9595044Abstract: Systems and methods for providing automated benefit verification and application are described. The apparatus may include a receiving module to receive a transaction, a transaction processing module to process the transaction and parse a unique identifier, a verification module to verify eligibility for a benefit and a data store to store a plurality of unique identifiers. The method may comprise receiving a credit card transaction, determining if a unique identifier contained within the transaction matches one of a stored listing and prompting a user to accept a benefit if the unique identifier matches one of the stored listing. The method may, alternatively, comprise processing a payment device, determining if the user is entitled to a benefit based on information contained within the payment device, prompting the user to accept or decline the benefit and providing the benefit if accepted.Type: GrantFiled: January 12, 2015Date of Patent: March 14, 2017Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura
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Patent number: 8931694Abstract: Systems and methods for providing automated benefit verification and application are described. The apparatus may include a receiving module to receive a transaction, a transaction processing module to process the transaction and parse a unique identifier, a verification module to verify eligibility for a benefit and a data store to store a plurality of unique identifiers. The method may comprise receiving a credit card transaction, determining if a unique identifier contained within the transaction matches one of a stored listing and prompting a user to accept a benefit if the unique identifier matches one of the stored listing. The method may, alternatively, comprise processing a payment device, determining if the user is entitled to a benefit based on information contained within the payment device, prompting the user to accept or decline the benefit and providing the benefit if accepted.Type: GrantFiled: July 25, 2006Date of Patent: January 13, 2015Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura
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Patent number: 8146810Abstract: System and methods for transaction processing using a rewards account are described. The method may include: receiving a transaction containing a transaction type, formatting a message based on the transaction type and sending the message. The method may alternately include, receiving a transaction message and processing a transaction based on a transaction type contained within the transaction message. The system may include one or more software modules performing the following functions: receiving module to receive transactions, transaction processing module to parse the transaction and determine a transaction type, message processing module to format a transaction message based on the transaction type, and a user interface module to provide a user interface to a customer.Type: GrantFiled: September 23, 2010Date of Patent: April 3, 2012Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura
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Patent number: 7806321Abstract: System and methods for transaction processing using a rewards account are described. The method may include: receiving a transaction containing a transaction type, formatting a message based on the transaction type and sending the message. The method may alternately include, receiving a transaction message and processing a transaction based on a transaction type contained within the transaction message. The system may include one or more software modules performing the following functions: receiving module to receive transactions, transaction processing module to parse the transaction and determine a transaction type, message processing module to format a transaction message based on the transaction type, and a user interface module to provide a user interface to a customer.Type: GrantFiled: July 25, 2006Date of Patent: October 5, 2010Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura
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Patent number: 7784683Abstract: Systems and methods for providing automated benefit verification and application are described. The apparatus may include a receiving module to receive a transaction, a transaction processing module to process the transaction and parse a unique identifier, a verification module to verify eligibility for a benefit and a data store to store a plurality of unique identifiers. The method may comprise receiving a credit card transaction, determining if a unique identifier contained within the transaction matches one of a stored listing and prompting a user to accept a benefit if the unique identifier matches one of the stored listing. The method may, alternatively, comprise processing a payment device, determining if the user is entitled to a benefit based on information contained within the payment device, prompting the user to accept or decline the benefit and providing the benefit if accepted.Type: GrantFiled: July 25, 2006Date of Patent: August 31, 2010Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura
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Patent number: 7708193Abstract: System and methods for transaction processing using a rewards account are described. The method may include: receiving a transaction containing a transaction type, formatting a message based on the transaction type and sending the message. The method may alternately include, receiving a transaction message and processing a transaction based on a transaction type contained within the transaction message. The system may include one or more software modules performing the following functions: receiving module to receive transactions, transaction processing module to parse the transaction and determine a transaction type, message processing module to format a transaction message based on the transaction type, and a user interface module to provide a user interface to a customer.Type: GrantFiled: July 25, 2006Date of Patent: May 4, 2010Assignee: United Services Automobile Association (USAA)Inventor: Michele Segura