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).

  • 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
  • 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
  • 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
  • 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
  • Patent number: 5362561
    Abstract: An attachment item for affixing an ornamental, promotional article to a container neck, the item having a thin, flexible, elongated body adapted for lengthwise wrapping around the neck of a container with its ends in overlapping relationship and with its inner surface lying contiguous the neck, the body when so wrapped having a generally cylindrical shape and a longitudinal axis, a Fastening device on the inner surface of the body adjacent at least one of its ends and adapted for contacting a portion of the outer surface of the body proximate the other of its ends to become affixed thereto for holding the body in a generally cylindrical shape around the neck, a flap affixed by a hinge to the body along a portion of the top edge thereof, the hinge allowing the flap to lie in substantially the same plane as the body when the body is in a flat blank condition and to allow the flap to lie in a plane oriented substantially normal to the longitudinal axis of the cylinder when the body is wrapped around the neck wit
    Type: Grant
    Filed: November 30, 1993
    Date of Patent: November 8, 1994
    Inventor: W. Richard Lower
  • Patent number: 4997111
    Abstract: A unified structure defining a liquid dispensing apparatus mounted on a stand pipe that protrudes outwardly through an outlet passage in a tubular fitting and is adapted to be sealably mounted in one end of a liquid container. The structure also includes a dispensing valve fixed on the outer end of the stand pipe and projecting laterally therefrom, and a pair of spaced clamp members that extend in a laterally direction opposite to the dispensing valve and having a configuration which provides clamping supports for a high pressure gas canister and a manually operable hand pump in a linear arrangement relative to the direction of projection of the dispensing valve. The tubular fitting in the container includes an inlet passage which is connected to a pressure regulator valve mounted on the gas canister by a pressure supply line.
    Type: Grant
    Filed: December 12, 1989
    Date of Patent: March 5, 1991
    Inventor: Richard Lowers