Patents by Inventor Regan E. Harmon
Regan E. Harmon 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: 20240249306Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.Type: ApplicationFiled: April 4, 2024Publication date: July 25, 2024Inventors: Christopher T. Scholl, David Vorhies, Regan E. Harmon, Shawn Mehrhoff
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Patent number: 11989749Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.Type: GrantFiled: September 5, 2018Date of Patent: May 21, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher T. Scholl, Regan E. Harmon
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Patent number: 11978074Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.Type: GrantFiled: September 5, 2018Date of Patent: May 7, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher T. Scholl, Regan E. Harmon
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Patent number: 11887187Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.Type: GrantFiled: September 28, 2022Date of Patent: January 30, 2024Assignee: Mastercard International IncorporatedInventors: William Raymond Bowie, Regan E. Harmon, Christopher T. Scholl
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Publication number: 20230020878Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.Type: ApplicationFiled: September 28, 2022Publication date: January 19, 2023Applicant: Mastercard International IncorporatedInventors: William Raymond Bowie, Regan E. Harmon, Christopher T. Scholl
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Patent number: 11528143Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.Type: GrantFiled: June 22, 2020Date of Patent: December 13, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Patent number: 11475513Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.Type: GrantFiled: December 23, 2019Date of Patent: October 18, 2022Assignee: Mastercard International IncorporatedInventors: William Raymond Bowie, Regan E. Harmon, Christopher T. Scholl
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Patent number: 11354762Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.Type: GrantFiled: December 1, 2017Date of Patent: June 7, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher T. Scholl, Regan E. Harmon, William Raymond Bowie, Matthew Wease
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Publication number: 20210192610Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.Type: ApplicationFiled: December 23, 2019Publication date: June 24, 2021Applicant: Mastercard International IncorporatedInventors: William Raymond Bowie, Regan E. Harmon, Christopher T. Scholl
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Patent number: 10891683Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.Type: GrantFiled: February 13, 2018Date of Patent: January 12, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Regan E. Harmon, Matthew Wease, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20200322157Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.Type: ApplicationFiled: June 22, 2020Publication date: October 8, 2020Inventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Patent number: 10693650Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.Type: GrantFiled: December 19, 2017Date of Patent: June 23, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20200074491Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.Type: ApplicationFiled: September 5, 2018Publication date: March 5, 2020Inventors: Christopher T. Scholl, Regan E. Harmon
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Publication number: 20200074492Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.Type: ApplicationFiled: September 5, 2018Publication date: March 5, 2020Inventors: Christopher T. Scholl, Regan E. Harmon
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Publication number: 20190251621Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.Type: ApplicationFiled: February 13, 2018Publication date: August 15, 2019Inventors: Regan E. Harmon, Matthew Wease, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20190190718Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.Type: ApplicationFiled: December 19, 2017Publication date: June 20, 2019Inventors: Matthew Wease, Regan E. Harmon, William Raymond Bowie, Christopher T. Scholl
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Publication number: 20190172167Abstract: A wallet provider (WP) computing device is provided for extending a digital passport object stored in a digital wallet. The WP computing device includes a processor and a memory in communication with the processor. The processor is programmed to receive an augmentation request associated with the digital passport object from a requesting user device, retrieve an augmentation template and trusted authentication data based at least in part on the augmentation request, generate an augmentation package associated with the digital passport object, transmit an authentication request to an authenticating user device, receive an authentication response from the user device, determine an authentication evaluation of the augmentation package associated with the digital passport object, and transmit the updated augmentation package to the sponsoring authority.Type: ApplicationFiled: December 1, 2017Publication date: June 6, 2019Inventors: Christopher T. Scholl, Regan E. Harmon, William Raymond Bowie, Matthew Wease
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Publication number: 20180108218Abstract: A computer-implemented method enhancing computer game rewards is provided. The method is implemented using a game rewards computer device in communication with a memory. The method includes storing a reward account associated with a payment card that is associated with a cardholder. The reward account includes a total number of rewards points. The method also includes receiving from a game network an indication of a game-based achievement associated with the cardholder. The game-based achievement is based upon one or more actions performed by the cardholder in at least one computer-based game. The method further includes determining a number of rewards points associated with the game-based achievement and incrementing the total number of rewards points in reward account based upon the determined number of rewards points.Type: ApplicationFiled: October 17, 2016Publication date: April 19, 2018Inventors: Regan E. Harmon, Christopher T. Scholl, William Raymond Bowie