Patents by Inventor Peter R. Cavicchi
Peter R. Cavicchi 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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Publication number: 20140025460Abstract: Methods, systems, and computer-executable instructions for automatically processing promotion redemptions are provided. An exemplary method includes receiving a request to authorize payment for a transaction using a customer account. The request identifies the customer account and the transaction is associated with at least one purchased product. The method includes selecting a promotion for the transaction based on the customer account and one or more rules. The amount of the transaction is adjusted based on the selected promotion. The method also includes transmitting an authorization for the adjusted transaction to the merchant. The method may also include selecting a promotion that has been pre-purchased by the customer.Type: ApplicationFiled: September 27, 2012Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Sarah Owen, Julie Christine Bohn, Robert James Cole, Sammy Leigh Coleman, Peter R. Cavicchi, III, Susan Munn Young, Amy Lynne Kirshenbaum, Jigar G. Desai, Natalie Cekan, Alan Surell
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Publication number: 20140025391Abstract: Methods, systems, and computer-executable instructions for operating a payment processing system are provided. An exemplary method includes receiving a request to determine a transaction capability of a merchant's transaction system. The request is received from a requester at a payment processing system. The method includes determining the requested transaction capability based on merchant data retrieved from a database of the payment processing system. The transaction capability of the merchant includes information indicating compatibility of the merchant's transaction system with one or more features of the payment processing system. The method further includes transmitting, using the payment processing system, the transaction capability to the requester in response to the request.Type: ApplicationFiled: September 28, 2012Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Sarah Owen, Julie Christine Bohn, Robert James Cole, Sammy Leigh Coleman, Peter R. Cavicchi, III, Susan Munn Young, Amy Lynne Kirshenbaum, Lisa Marie Shank, John W. Graham
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Publication number: 20140025452Abstract: Methods, systems, and computer-executable instructions for managing customer incentives in a payment processing system are provided. An exemplary method includes associating a customer identifier with a payment account of a customer in a database of the payment processing system. The method includes receiving activity information associated with an activity of the customer, identifying an incentive based on the received activity information and the customer identifier, and linking the incentive to the payment account in the database. In response to receiving a request to authorize a transaction using the payment account, the incentive is retrieved from the database and applied to the transaction if criteria are satisfied.Type: ApplicationFiled: September 27, 2012Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Sarah Owen, Julie Christine Bohn, Robert James Cole, Sammy Leigh Coleman, Peter R. Cavicchi, III, Susan Munn Young, Amy Lynne Kirshenbaum, Natalie Cekan
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Publication number: 20140025451Abstract: Methods, systems, and computer-executable instructions for managing financial information are provided. An exemplary method includes establishing a customer identifier associated with a customer and linking the customer identifier to one or more customer financial accounts in a database. The customer identifier is associated with the one or more customer financial accounts, but does not contain account numbers of the one or more customer financial accounts. The method also includes tracking purchasing behavior metrics associated with the customer financial accounts and reporting the purchasing behavior metrics using the customer identifier.Type: ApplicationFiled: September 27, 2012Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Sarah Owen, Julie Christine Bohn, Robert James Cole, Sammy Leigh Coleman, Peter R. Cavicchi, III, Susan Munn Young, Amy Lynne Kirshenbaum, Jigar G. Desai, Natalie Cekan
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Publication number: 20140025453Abstract: Methods, systems, and computer-executable instructions for automatically processing promotion redemptions are provided. An exemplary method includes linking promotion information with an account of a customer in a database. The promotion information pertains to a promotion for a product or service offered by a merchant. The method includes receiving a request to provide payment for a transaction using the customer account. The request includes an amount of the transaction and an identifier of the customer account. The method further includes retrieving the promotion information from the database based on the identifier, verifying that the transaction is eligible for the promotion based on the retrieved promotion information, and adjusting the amount of the transaction based on the retrieved promotion information.Type: ApplicationFiled: February 6, 2013Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Julie Christine Bohn, Peter R. Cavicchi, III, Natalie Cekan, Robert James Cole, Sammy Leigh Coleman, Jigar G. Desai, John W. Graham, Amy Lynne Kirshenbaum, Sarah Owen, Lisa Marie Shank, Alan Surell, Susan Munn Young
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Publication number: 20140025461Abstract: Methods, systems, and computer-executable instructions for processing financial transactions are provided. An exemplary method includes receiving a request from a merchant to authorize payment for a transaction using a financial account of a customer. The request includes information about the transaction. The method further includes analyzing the transaction information based on a profile of the customer that is linked to the financial account and based on data pertaining to at least one other related transaction. Finally, the method includes generating a message about the transaction based on the analysis and transmitting the message to a recipient.Type: ApplicationFiled: September 27, 2012Publication date: January 23, 2014Applicant: FIRST DATA CORPORATIONInventors: Kevin Joseph Knowles, Sarah Owen, Julie Christine Bohn, Robert James Cole, Sammy Leigh Coleman, Peter R. Cavicchi, III, Susan Munn Young, Amy Lynne Kirshenbaum
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Patent number: 5432326Abstract: Systems and methods for operating a data card terminal, such as a credit card transaction terminal, for providing chargeback protection services for the benefit of merchants are disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder.Type: GrantFiled: June 28, 1994Date of Patent: July 11, 1995Assignee: National Bancard CorporationInventors: Paul W. Noblett, Jr., Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Parameswaran B. Nair, Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Vogt
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Patent number: 5428210Abstract: A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances.Type: GrantFiled: January 10, 1992Date of Patent: June 27, 1995Assignee: National Bancard CorporationInventors: Parameswaran B. Nair, Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Paul W. Noblett, Jr., Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Voght
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Patent number: 5404000Abstract: A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder. Transaction data including compressed signature signals and signals indicative of the presence of the card are transmitted to the host computer system of a transaction processor, who guarantees the transaction as chargeback-protected under certain circumstances.Type: GrantFiled: June 18, 1993Date of Patent: April 4, 1995Assignee: MicroBilt CorporationInventors: Parameswaran B. Nair, Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Paul W. Noblett, Jr., Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Vogt
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Patent number: 5357563Abstract: A data card terminal, such as a credit card transaction terminal, is disclosed. The terminal is capable of requesting and receiving electronic authorization indicia via alternative communications links. The terminal includes first communications means for automatically connecting the terminal with a transaction processing host computer system via a first communications link, and second communications means for automatically connecting the terminal with the transaction processing host computer system via a separate second communications link if the first link fails. A third communications means automatically connects the terminal to an audio response unit (ARU) via a third communications link in response to a "call me" signal from the host computer system, or if the first and second communications links fail. Transaction data is automatically transmitted from the terminal to the ARU via DTMF signals.Type: GrantFiled: June 17, 1993Date of Patent: October 18, 1994Assignee: MicroBilt CorporationInventors: James H. Hamilton, Peter R. Cavicchi, Timothy W. Depew, Shelley K. Friedman, Edward G. Kligfeld, Paul W. Noblett, Jr., Diane T. Vogt, James T. Stills, Gregory A. Philmon, Parameswaran B. Nair, Murray A. Morton
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Patent number: 5334823Abstract: Systems and methods for operating a data card terminal, such as a credit card transaction terminal, for providing chargeback protection services for the benefit of merchants are disclosed. The terminal includes a transaction terminal comprising an embossed character reader and magnetic stripe reader, with a separate signature capture printer. The transaction terminal is operative for detecting the physical presence of a data card during a card transaction. The embossed character reader employs a tactile imager and pattern recognition for detecting the embossed characters on the data card. A signature capturing printer prints a paper receipt, which is signed by a cardholder at a signature capturing window on the printer. A signature capturing system digitizes and compresses signals corresponding to the signature of the card holder.Type: GrantFiled: January 10, 1992Date of Patent: August 2, 1994Assignee: National Bancard CorporationInventors: Paul W. Noblett, Jr., Mark Brady, Peter R. Cavicchi, Kumar S. Choudhuri, Timothy W. Depew, John C. Evans, Shelley K. Friedman, James H. Hamilton, Edward G. Kligfeld, Holly B. Krahe, Thomas J. Liney, Murray A. Morton, Parameswaran B. Nair, Gregory A. Philmon, James F. Price, James T. Stills, Laura J. Turner, Diane T. Vogt