Patents by Inventor Millie Yee

Millie Yee 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: 20250148463
    Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a transport computer, a first clearing file comprising data for a plurality of transactions, and then determining, by the processing network computer, an authorizing entity associated with one or more transactions from the first clearing file. The method includes transmitting, by the processing network computer to an authorizing entity computer operated by the authorizing entity, a second clearing file including data for the one or more transactions, determining, by the processing network computer, that the one or more transactions include one or more anomaly transactions, and initiating, by the processing network computer, one or more transaction reversals with respect to the one or more anomaly transactions.
    Type: Application
    Filed: November 1, 2024
    Publication date: May 8, 2025
    Applicant: Visa International Service Association
    Inventors: Barbara Patterson, Millie Yee, Pinesh Roy, Michael Mori
  • Patent number: 11847645
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: December 19, 2023
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 11803846
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: October 31, 2023
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20210256506
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: January 28, 2021
    Publication date: August 19, 2021
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20200320515
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: June 18, 2020
    Publication date: October 8, 2020
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 10726413
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: April 11, 2016
    Date of Patent: July 28, 2020
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20160224976
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: April 11, 2016
    Publication date: August 4, 2016
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steve Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 9342832
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: August 12, 2011
    Date of Patent: May 17, 2016
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steve Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20120041881
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: August 12, 2011
    Publication date: February 16, 2012
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steve Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20100161405
    Abstract: Processing transactions involving private label portable consumer devices is presented. For a transaction involving a portable consumer device in a payment processing network, an authorization request from a merchant is received by a transaction handler. The transaction handler, in communication with the issuer, denies or approves the transaction. For approved transactions, the merchant sends a settlement request to the transaction handler. If the transaction is identified as involving a private label portable consumer device, the transaction handler applies a custom settlement arrangement rate to the payment sought, generally reducing the payment amount. The applied payment amount is received from the issuer and forwarded to the merchant. If the applied payment amount is less than the actual amount owed to the merchant, the merchant sends a request to the issuer of the private label payment device to settle the transaction in accordance with a custom settlement agreement.
    Type: Application
    Filed: December 3, 2009
    Publication date: June 24, 2010
    Inventors: Karen L. Cervenka, Mary Theresa Taylor, Millie Yee, Bonnie Vail