Patents by Inventor Peter Karl Melhado

Peter Karl Melhado 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).

  • Technical Improvements to Payment Card Linked Rewards Programs
    Publication number: 20250037159
    Abstract: A rewards system operator receives one or more files from a payment card processor containing payment card transaction information for qualifying payment card transactions made with linked payment cards at one or more merchants participating in a rewards program. The rewards system operator directly debits the merchants for any fees owed under the rewards program. The rewards system operator gives users of the linked payment cards a reward for making qualifying purchases under the rewards program.
    Type: Application
    Filed: October 14, 2024
    Publication date: January 30, 2025
    Inventors: Dacotah Harvey, Jordan Michael Code, Jose Carlos Villares Vaillant, Nancy Torres, Carlos Villares, Omar Ramos Muniz, Yilka Rivera, José Luis Rivera Torres, Gustavo Villares, Peter Karl Melhado, Luke Todesco, Vikram Dhiman, Zachary Fahrer, Andrew Erickson Draxton
  • Technical improvements to payment card linked rewards programs
    Patent number: 12118582
    Abstract: A rewards system operator receives one or more files from a payment card processor containing payment card transaction information for qualifying payment card transactions made with linked payment cards at one or more merchants participating in a rewards program. The rewards system operator directly debits the merchants for any fees owed under the rewards program. The rewards system operator gives users of the linked payment cards a reward for making qualifying purchases under the rewards program.
    Type: Grant
    Filed: June 5, 2023
    Date of Patent: October 15, 2024
    Inventors: Dacotah Harvey, Jordan Michael Code, Jose Carlos Villares Vaillant, Nancy Torres, Carlos Villares, Omar Ramos Muniz, Yilka Rivera, José Luis Rivera Torres, Gustavo Villares, Peter Karl Melhado, Luke Todesco, Vikram Dhiman, Zachary Fahrer, Andrew Erickson Draxton
  • Technical Improvements to Payment Card Linked Rewards Programs
    Publication number: 20230385867
    Abstract: A rewards system operator receives one or more files from a payment card processor containing payment card transaction information for qualifying payment card transactions made with linked payment cards at one or more merchants participating in a rewards program. The rewards system operator directly debits the merchants for any fees owed under the rewards program. The rewards system operator gives users of the linked payment cards a reward for making qualifying purchases under the rewards program.
    Type: Application
    Filed: June 5, 2023
    Publication date: November 30, 2023
    Inventors: Dacotah Harvey, Jordan Michael Code, Jose Carlos Villares Vaillant, Nancy Torres, Carlos Villares, Yilka Rivera, José Luis Rivera Torres, Gustavo Villares, Peter Karl Melhado, Luke Todesco, Omar Ramos Muniz, Vikram Dhiman, Zachary Fahrer, Andrew Erickson Draxton