Patents by Inventor Mirza S. Zafar

Mirza S. Zafar 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).

  • Account mask identifier apparatus, method, and computer program product
    Patent number: 9922311
    Abstract: At a computing device, optionally located in communication with an intermediate node in an electronic bill payment system, access is obtained to a data structure including a plurality of valid customer account numbers for customers of a biller that utilizes or desires to utilize the electronic bill presentment and payment system. With the computing device, each character of each of said valid customer account numbers is replaced with a wild card in accordance with a normalization scheme, to obtain a plurality of normalized valid customer account numbers. At least one pattern of said wild cards in said plurality of normalized valid customer account numbers is designated as a recommended account mask.
    Type: Grant
    Filed: March 13, 2014
    Date of Patent: March 20, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Amy C. Milam, Stephen J. Klaus, Mirza S. Zafar
  • ACCOUNT MASK IDENTIFIER APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT
    Publication number: 20140279464
    Abstract: At a computing device, optionally located in communication with an intermediate node in an electronic bill payment system, access is obtained to a data structure including a plurality of valid customer account numbers for customers of a biller that utilizes or desires to utilize the electronic bill presentment and payment system. With the computing device, each character of each of said valid customer account numbers is replaced with a wild card in accordance with a normalization scheme, to obtain a plurality of normalized valid customer account numbers. At least one pattern of said wild cards in said plurality of normalized valid customer account numbers is designated as a recommended account mask.
    Type: Application
    Filed: March 13, 2014
    Publication date: September 18, 2014
    Applicant: MasterCard International Incorporated
    Inventors: Amy C. Milam, Stephen J. Klaus, Mirza S. Zafar