Patents by Inventor Richard Lower

Richard Lower 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).

  • Index structure and card network system for cross border real-time payments
    Patent number: 12689665
    Abstract: A card network system having an index structure is disclosed for routing cross-border real-time payment communications between domestic RTP systems. The card network system is configured to create a data record in the index structure for a first participating domestic RTP system, where the first participating domestic RTP system associated with a first country, and assign a first PAN to the first participating domestic RTP system, such that other participating domestic RTP systems can send cross-border payment communications to the first participating domestic RTP system through the card network system by obtaining the first PAN from the index structure and using the first PAN in their cross-border communications.
    Type: Grant
    Filed: November 26, 2024
    Date of Patent: July 21, 2026
    Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
    Inventors: Richard Lower, Sandeep Gelli, Sandeep Sirdesai
  • INDEX STRUCTURE AND CARD NETWORK SYSTEM FOR CROSS BORDER REAL-TIME PAYMENTS
    Publication number: 20260149742
    Abstract: A card network system having an index structure is disclosed for routing cross-border real-time payment communications between domestic RTP systems. The card network system is configured to create a data record in the index structure for a first participating domestic RTP system, where the first participating domestic RTP system associated with a first country, and assign a first PAN to the first participating domestic RTP system, such that other participating domestic RTP systems can send cross-border payment communications to the first participating domestic RTP system through the card network system by obtaining the first PAN from the index structure and using the first PAN in their cross-border communications.
    Type: Application
    Filed: November 26, 2024
    Publication date: May 28, 2026
    Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.
    Inventors: Richard LOWER, Sandeep GELLI, Sandeep SIRDESAI
  • Computer message routing and processing system and method
    Patent number: 10896414
    Abstract: A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
    Type: Grant
    Filed: May 29, 2020
    Date of Patent: January 19, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sharon Mohrlock, Winifred Elizabeth House, Carol A. Jonak, Suman Rausaria, Mike Rethorn, Aimee Musil, Jill E. Chong, Maria Rice, Anushree Ashutosh Prabhune, Richard Lower
  • COMPUTER MESSAGE ROUTING AND PROCESSING SYSTEM AND METHOD
    Publication number: 20200294012
    Abstract: A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
    Type: Application
    Filed: May 29, 2020
    Publication date: September 17, 2020
    Inventors: Sharon Mohrlock, Winifred Elizabeth House, Carol A. Jonak, Suman Rausaria, Mike Rethorn, Aimee Musil, Jill E. Chong, Maria Rice, Anushree Ashutosh Prabhune, Richard Lower
  • Computer message routing and processing system and method
    Patent number: 10671983
    Abstract: A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
    Type: Grant
    Filed: November 2, 2016
    Date of Patent: June 2, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sharon Mohrlock, Winifred Elizabeth House, Carol A. Jonak, Suman Rausaria, Mike Rethorn, Aimee G. Musil, Jill E. Chong, Maria Rice, Anushree Ashutosh Prabhune, Richard Lower
  • COMPUTER MESSAGE ROUTING AND PROCESSING SYSTEM AND METHOD
    Publication number: 20180121895
    Abstract: A message routing and processing computing device and associated methods for routing and processing computer messages are disclosed. The message routing and processing computing device stores payment account identifiers and associated message routing instructions and is configured to receive a computer message including a payment account identifier. Based, at least in part, on the payment account identifier, the message routing and processing computing device determines a message route for the message and routes the message accordingly.
    Type: Application
    Filed: November 2, 2016
    Publication date: May 3, 2018
    Inventors: Sharon Mohrlock, Winifred Elizabeth House, Carol A. Jonak, Suman Rausaria, Mike Rethorn, Aimee G. Musil, Jill E. Chong, Maria Rice, Anushree Ashutosh Prabhune, Richard Lower