Patents by Inventor Raymond Tamblyn
Raymond Tamblyn 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: 20230306394Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: ApplicationFiled: April 27, 2023Publication date: September 28, 2023Applicant: Visa Europe LimitedInventors: Peter Winfield-Chislett, Westley Stringfellow, Itamar Lesuisse, Veronica Casabonne, Raymond Tamblyn
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Patent number: 11669816Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: GrantFiled: November 18, 2019Date of Patent: June 6, 2023Assignee: VISA EUROPE LIMITEDInventors: Peter Winfield-Chislett, Westley Stringfellow, Itamar Lesuisse, Veronica Casabonne, Raymond Tamblyn
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Publication number: 20200226564Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: ApplicationFiled: November 18, 2019Publication date: July 16, 2020Inventors: Peter Winfield-Chislett, Westley Stringfellow, Itamar Lesuisse, Veronica Casabonne, Raymond Tamblyn
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Patent number: 8942997Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants, the payment authorization requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems. Each of the online merchants has an online merchant identity. The method is conducted by a trusted central intermediary system which is arranged to transmit payment authorization requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. Each merchant IPSP system is arranged to transmit payment authorization requests to at least one of a plurality of acquiring bank payment processor systems, and each of said plurality of acquiring bank payment processor systems is responsible for processing payment authorizations for at least one of said acquiring banks.Type: GrantFiled: July 6, 2011Date of Patent: January 27, 2015Assignee: Visa Europe LimitedInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Verónica Casabonne
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Patent number: 8706577Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants. The payment authorization requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems, each of said online merchants having an online merchant identity. The method is conducted by a trusted central intermediary system which is configured to transmit payment authorization requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. In some embodiments, a user may select a payment method on a per transaction basis, while removing the requirement for the user to provide payment details to individual online merchant systems or to their merchant IPSP systems by having the user submit their respective payment details to a separate, trusted entity.Type: GrantFiled: April 1, 2009Date of Patent: April 22, 2014Assignee: Visa Europe LimitedInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Verónica Casabonne
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Patent number: 8688574Abstract: Disclosed embodiments provide systems and methods of processing payment authorisation requests for payment transactions to be conducted via a data communications network. The method allows identification of an issuing bank from a plurality of issuing banks as one which is to be utilised in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: GrantFiled: April 1, 2009Date of Patent: April 1, 2014Assignee: Visa Europe LimitedInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Verónica Casabonne
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Publication number: 20120173396Abstract: Systems and methods for dividing a group bill among users, collecting funds from the users, and paying a third party with the collected funds using a group billing system. Users may have individual accounts associated with the group billing system. The individual accounts may be associated with a prepaid credit or debit card, or other payment vehicle.Type: ApplicationFiled: December 30, 2010Publication date: July 5, 2012Applicant: PAYDIVVY, INC.Inventors: Michael J. MELBY, Raymond Tamblyn, Samuel Whitaker
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Publication number: 20120030066Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network on behalf of online merchants, the payment authorization requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems. Each of the online merchants has an online merchant identity. The method is conducted by a trusted central intermediary system which is arranged to transmit payment authorization requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. Each merchant IPSP system is arranged to transmit payment authorization requests to at least one of a plurality of acquiring bank payment processor systems, and each of said plurality of acquiring bank payment processor systems is responsible for processing payment authorizations for at least one of said acquiring banks.Type: ApplicationFiled: July 6, 2011Publication date: February 2, 2012Applicant: Visa Europe LimitedInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Verónica Casabonne
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Publication number: 20120011065Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: ApplicationFiled: July 7, 2011Publication date: January 12, 2012Applicant: VISA EUROPE LIMITEDInventors: Peter Winfield-Chislett, Westley Stringfellow, Itamar Lesuisse, Veronica Casabonne, Raymond Tamblyn
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Publication number: 20100174626Abstract: Embodiments of the invention provide a method of processing payment authorisation requests for payment transactions to be conducted via a data communications network on behalf of online merchants. The payment authorisation requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems, each of said online merchants having an online merchant identity. The method is conducted by a trusted central intermediary system which is configured to transmit payment authorisation requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. In some embodiments, a user may select a payment method on a per transaction basis, while removing the requirement for the user to provide payment details to individual online merchant systems or to their merchant IPSP systems by having the user submit their respective payment details to a separate, trusted entity.Type: ApplicationFiled: April 1, 2009Publication date: July 8, 2010Applicant: VISA EUROPE LIMITEDInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Veronica Casabonne
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Publication number: 20100174620Abstract: Disclosed embodiments provide systems and methods of processing payment authorisation requests for payment transactions to be conducted via a data communications network. The method allows identification of an issuing bank from a plurality of issuing banks as one which is to be utilised in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.Type: ApplicationFiled: April 1, 2009Publication date: July 8, 2010Applicant: VISA EUROPE LIMITEDInventors: Westley Stringfellow, Peter Winfield-Chislett, Itamar Lesuisse, Raymond Tamblyn, Veronica Casabonne