Patents by Inventor Peter Pridgeon
Peter Pridgeon 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: 7774209Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: GrantFiled: July 22, 2008Date of Patent: August 10, 2010Assignees: First Data Corporation, The Western Union CompanyInventors: Kevin A. James, Peter A. Pridgeon, David L. Cox, Ryan G. Teixeira
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Publication number: 20090001159Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: ApplicationFiled: July 22, 2008Publication date: January 1, 2009Applicant: First Data CorporationInventors: Kevin A. James, Peter A. Pridgeon, David L. Cox, Ryan G. Teixeira
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Patent number: 7418398Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: GrantFiled: May 10, 2006Date of Patent: August 26, 2008Assignee: First Data CorporationInventors: Kevin A. James, Peter A. Pridgeon, David L. Cox, Ryan G. Teixeria
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Publication number: 20080091545Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.Type: ApplicationFiled: December 13, 2007Publication date: April 17, 2008Applicant: First Data CorporationInventors: Kenneth Jennings, John McDonough, Peter Pridgeon, Keith Newbrough
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Patent number: 7325726Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.Type: GrantFiled: May 11, 2005Date of Patent: February 5, 2008Assignee: First Data CorporationInventors: Kenneth E. Jennings, Jr., John K. McDonough, Peter A. Pridgeon, Keith Newbrough
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Publication number: 20060255125Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.Type: ApplicationFiled: May 11, 2005Publication date: November 16, 2006Applicant: First Data CorporationInventors: Kenneth Jennings, John McDonough, Peter Pridgeon, Keith Newbrough
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Publication number: 20060206436Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: ApplicationFiled: May 10, 2006Publication date: September 14, 2006Applicant: First Data CorporationInventors: Kevin James, Peter Pridgeon, David Cox, Ryan Teixeria
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Patent number: 7054842Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virl card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: GrantFiled: October 3, 2001Date of Patent: May 30, 2006Assignee: First Data CorporationInventors: Kevin A. James, Peter A. Pridgeon, David L. Cox, Ryan G. Teixeira
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Publication number: 20040098326Abstract: A method for performing financial transactions in different currencies proceeds by entering an identifier of a presentation instrument into a point-of-sale device along with a redemption amount in a transaction currency that is different from the base currency that is associated with the presentation instrument. The identifier, the redemption amount and a transaction currency code are transmitted to a host computer system. In turn, the host computer system transmits back to the point-of-sale device a new balance in the base currency.Type: ApplicationFiled: November 1, 2002Publication date: May 20, 2004Applicant: First Data CorporationInventors: Kevin A. James, David R. Baumgartner, Keith A. Newbrough, Peter A. Pridgeon, Ryan G. Teixeira, Danielle E. Cox
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Publication number: 20030065624Abstract: A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.Type: ApplicationFiled: October 3, 2001Publication date: April 3, 2003Applicant: First Data CorporationInventors: Kevin A. James, Peter A. Pridgeon, David L. Cox, Ryan G. Teixeira