Patents by Inventor Nizam Antoo

Nizam Antoo 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).

  • Patent number: 10134016
    Abstract: Systems and processes for real-time instant funding solutions for miscellaneous income are disclosed. The method of funding miscellaneous income includes securely transmitting a funding information file or a real time funding transaction request with miscellaneous funding information to a funding card processing system using real-time web services APIs which are externally accessible by an external computing system, e.g., point of sale, time and labor or payroll system. The method further includes processing the funding information file with the funding card processing system, which includes at least identifying client information and a user receiving miscellaneous income contained within the miscellaneous funding information. The method further includes funding a payroll card of the identified user with the miscellaneous income received with the miscellaneous funding information of the funding information file.
    Type: Grant
    Filed: November 18, 2014
    Date of Patent: November 20, 2018
    Assignee: ADP, LLC
    Inventors: Nizam Antoo, Michael T. Hosea, Maria Kirgan, Gary Lott, Fernando C. Macalinao, Sumeet A. Palkar, Anthony Peculic, Hamid Qaasim, Yin Zhang
  • Patent number: 9652765
    Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.
    Type: Grant
    Filed: April 18, 2013
    Date of Patent: May 16, 2017
    Assignee: Visa International Service Association
    Inventors: Nizam Antoo, Todd J Brockman
  • Publication number: 20160140520
    Abstract: Systems and processes for real-time instant funding solutions for miscellaneous income are disclosed. The method of funding miscellaneous income includes securely transmitting a funding information file or a real time funding transaction request with miscellaneous funding information to a funding card processing system using real-time web services APIs which are externally accessible by an external computing system, e.g., point of sale, time and labor or payroll system. The method further includes processing the funding information file with the funding card processing system, which includes at least identifying client information and a user receiving miscellaneous income contained within the miscellaneous funding information. The method further includes funding a payroll card of the identified user with the miscellaneous income received with the miscellaneous funding information of the funding information file.
    Type: Application
    Filed: November 18, 2014
    Publication date: May 19, 2016
    Inventors: Nizam ANTOO, Michael T. HOSEA, Maria KIRGAN, Gary LOTT, Fernando C. MACALINAO, Sumeet A. PALKAR, Anthony PECULIC, Hamid QAASIM, Yin ZHANG
  • Patent number: 8831980
    Abstract: A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.
    Type: Grant
    Filed: January 6, 2011
    Date of Patent: September 9, 2014
    Assignee: Visa U.S.A. Inc.
    Inventors: Nizam Antoo, Chris Britt
  • Publication number: 20130232081
    Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.
    Type: Application
    Filed: April 18, 2013
    Publication date: September 5, 2013
    Inventors: Nizam Antoo, Todd J. Brockman
  • Patent number: 8447669
    Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.
    Type: Grant
    Filed: August 26, 2008
    Date of Patent: May 21, 2013
    Assignee: Visa U.S.A. Inc.
    Inventors: Nizam Antoo, Todd J. Brockman
  • Publication number: 20110161185
    Abstract: A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.
    Type: Application
    Filed: January 6, 2011
    Publication date: June 30, 2011
    Applicant: Visa U.S.A., Inc.
    Inventors: Nizam Antoo, Chris Britt
  • Patent number: 7886969
    Abstract: A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.
    Type: Grant
    Filed: April 14, 2006
    Date of Patent: February 15, 2011
    Assignee: Visa U.S.A. Inc.
    Inventors: Nizam Antoo, Chris Britt
  • Publication number: 20100299255
    Abstract: According to one implementation, a method is presented for redeeming cash from a funded Prepaid Portable Consumer Transaction Device (PPCTD) without conducting a purchase transaction in a payment processing apparatus. A first merchant at a first location receives a tender for deposit into an account having an identifier. A second merchant at a second location tenders a PPCTD corresponding to the account to a consumer in response to receiving the identifier from the consumer. In response to receiving from the consumer the tendered PPCTD and a request for substantially the full value in the account, the second merchant tenders substantially the full value of the account to the consumer. The second merchant makes the tender without requiring that the consumer conduct a purchase transaction for the sale of a good or service from the second merchant.
    Type: Application
    Filed: February 19, 2010
    Publication date: November 25, 2010
    Inventor: Nizam Antoo
  • Publication number: 20100057611
    Abstract: A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food -stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.
    Type: Application
    Filed: August 26, 2008
    Publication date: March 4, 2010
    Inventors: Nizam Antoo, Todd J. Brockman
  • Publication number: 20090063355
    Abstract: A method is disclosed. The method includes providing tender at an automatic teller machine (ATM), where the automatic teller machine is in operative communication with a payment processing network. The automatic teller machine sends a transaction authorization request message to an issuer of a portable consumer device, and the issuer authorizes or does not authorize the transaction authorization request message.
    Type: Application
    Filed: August 31, 2007
    Publication date: March 5, 2009
    Inventors: Nizam Antoo, Tim Boccia, Todd Brockman
  • Publication number: 20080243685
    Abstract: A bill payment system and method. In a method, the authorization request message is sent to a biller. The authorization request message requests authorization for a consumer to pay a bill at the merchant. The biller thereafter authorizes or does not authorize payment of the bill, and then sends an authorization response message back to merchant. The authorization response message indicates whether or not the biller has authorized or not authorized the payment of the bill. The authorization response message is thereafter received by the merchant and a biller can credit an account of the consumer.
    Type: Application
    Filed: April 2, 2007
    Publication date: October 2, 2008
    Inventor: Nizam Antoo
  • Publication number: 20080179393
    Abstract: A method for receiving cash from a merchant is disclosed. The method includes interacting with an access device at a merchant in a transaction using a portable consumer device. The portable consumer device is associated with a monetary value that represents wages earned by an employee. After interacting, the access device sends an authorization request message to an issuer of the portable consumer device. The issuer thereafter sends an authorization response message back to the merchant indicating approval of the transaction. The employee then receives cash from the merchant that is substantially equal to the monetary value associated with the portable consumer device.
    Type: Application
    Filed: January 30, 2007
    Publication date: July 31, 2008
    Inventor: Nizam Antoo
  • Publication number: 20070125842
    Abstract: A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment processing network. The point of service terminal thereafter sends a transaction authorization request to an issuer of a portable consumer device to be used by a user. The issuer then authorizes or does not authorize the transaction authorization request. If the transaction authorization request is approved, the portable consumer device is either initially loaded or reloaded with an amount associated with the tender provided at the point of service terminal.
    Type: Application
    Filed: April 14, 2006
    Publication date: June 7, 2007
    Applicant: Visa U.S.A., Inc.
    Inventors: Nizam Antoo, Chris Britt