Patents by Inventor Richard Rozbicki
Richard Rozbicki 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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Patent number: 11928729Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: GrantFiled: December 1, 2022Date of Patent: March 12, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Richard A. Rozbicki
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Publication number: 20230097064Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: ApplicationFiled: December 1, 2022Publication date: March 30, 2023Inventors: Jennifer Dogin, Richard A. Rozbicki
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Patent number: 11544781Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: GrantFiled: December 23, 2017Date of Patent: January 3, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jennifer Dogin, Richard A. Rozbicki
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Patent number: 10915898Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: December 14, 2018Date of Patent: February 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20190197616Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.Type: ApplicationFiled: December 23, 2017Publication date: June 27, 2019Inventors: Jennifer Dogin, Richard A. Rozbicki
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Publication number: 20190122207Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: December 14, 2018Publication date: April 25, 2019Applicant: MASTERCARD INTERNATIONAL, Inc.Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Patent number: 10210514Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: June 6, 2014Date of Patent: February 19, 2019Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20150081536Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: June 6, 2014Publication date: March 19, 2015Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20140365368Abstract: A method for denying a payment transaction initiated by a user using a payment card associated with a blocked account is provided. The method may be implemented by a computing device coupled to a memory device. The method includes receiving by the computing device a request to block an account number from being used in connection with payment transactions, and storing the account number in the memory device as a blocked account number. The method also involves receiving by the computing device a request to verify that a new payment transaction as not being associated with a blocked account number, the verification request including a candidate account number. The method also comprises comparing the candidate account number with the blocked account number stored in the memory device, and denying verification of the new payment transaction when at least a portion of the candidate account number matches the blocked account number.Type: ApplicationFiled: June 11, 2013Publication date: December 11, 2014Inventors: Sharon A. Rosano, Richard Rozbicki, Timothy Tudor Hopkins
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Patent number: 8751381Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: GrantFiled: February 23, 2012Date of Patent: June 10, 2014Assignee: Mastercard International IncorporatedInventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20130185207Abstract: A system for online authentication using a payment card processing system, the system comprises: a managing computer system of a payment card service provider, the managing computer system having a memory device capable of storing data associating identifying information of individual customers with payment card accounts, and a computer processor configured to: receive a request for personal information of a customer on a relying party website, and wherein the relying party website is a member of the payment card processing system; request and receive identifying information of the customer for at least one payment card of the customer; present at least one authentication question to the customer to validate the customer; and validate the customer upon receipt of at least one correct answer to the at least one authentication question.Type: ApplicationFiled: January 17, 2012Publication date: July 18, 2013Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Garry LYONS, Oran CUMMINS, Theunis Johannes GERBER, Anthony JM HAYES, Richard ROZBICKI
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Publication number: 20120215688Abstract: A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.Type: ApplicationFiled: February 23, 2012Publication date: August 23, 2012Applicant: MASTERCARD INTERNATIONAL, INC.Inventors: Paul Musser, Patricia Preston, Richard Rozbicki, Julie Delker, Dennis J. Hill
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Publication number: 20090261160Abstract: In accordance with the present invention, systems and methods for enabling distribution of co-branded debit payment tokens are provided. The systems and methods, which may include a franchising party entering into an arrangement with a co-brand partner and assembling a group of one or more banks to participate in co-branding of the co-branded debit payment tokens where one or more of the banks in the group distribute the co-branded debit payment tokens are disclosed herein.Type: ApplicationFiled: December 22, 2008Publication date: October 22, 2009Inventors: Richard Rozbicki, Wade Plummer