Patents by Inventor Richard Unnerstall

Richard Unnerstall 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: 10776787
    Abstract: Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or more cardholder accounts for notifying one or more issuers associated with the one or more cardholder accounts, receives transaction data associated with one or more financial transactions, and analyzes the received transaction data to generate wallet data corresponding to the transaction data for providing an opportunity to manage the one or more financial transactions. Aspects of the disclosure provide for transmitting notification data in an efficient and user-friendly manner.
    Type: Grant
    Filed: September 6, 2016
    Date of Patent: September 15, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Erica Joann Robeen, Linda M. Mautz, Richard Unnerstall
  • Patent number: 10504086
    Abstract: Embodiments of the disclosure enable a tailored user experience to be provided. A kiosk system includes a scanner component configured to identify biometric data; a metric component configured to communicate with the scanner component to identify user identifier data based on the biometric data; a transaction component configured to communicate with the metric component to identify a financial account corresponding to the identified user identifier data, and generate a request for authorization for a financial transaction using the identified financial account; and a dispenser component configured to communicate with the transaction component to determine whether to dispense the beverage. Aspects of the disclosure provide for tailoring a user experience based on various factors including a user metric and/or an account metric.
    Type: Grant
    Filed: May 6, 2016
    Date of Patent: December 10, 2019
    Assignee: Mastercard International Incorporated
    Inventor: Richard Unnerstall
  • Publication number: 20180068314
    Abstract: Embodiments of the disclosure enable a system to provide notification services. The system receives account selection data associated with one or more cardholder accounts, identifies contact data corresponding to one or more issuer devices associated with the one or more cardholder accounts, generates notification data associated with the one or more cardholder accounts for notifying one or more issuers associated with the one or more cardholder accounts, receives transaction data associated with one or more financial transactions, and analyzes the received transaction data to generate wallet data corresponding to the transaction data for providing an opportunity to manage the one or more financial transactions. Aspects of the disclosure provide for transmitting notification data in an efficient and user-friendly manner.
    Type: Application
    Filed: September 6, 2016
    Publication date: March 8, 2018
    Inventors: Erica Joann Robeen, Linda M. Mautz, Richard Unnerstall
  • Publication number: 20180018648
    Abstract: Embodiments of the disclosure enable a plurality of user accounts to be managed using a directory kiosk system. The directory kiosk system includes a controlled apparatus including a lock mechanism selectively configurable between a restricted configuration and an accessible configuration, and a control system that identifies tenant data associated with a tenant, determines a payment status associated with the tenant based on the tenant data, generates a first indication instruction based on the payment status to present a first indication associated with the payment status at the presentation device, determines whether the payment status satisfies a predetermined accessibility threshold, and, on condition that the predetermined accessibility threshold is satisfied, generates an accessibility instruction to selectively configure the lock mechanism in the accessible configuration. Aspects of the disclosure provide for using a directory kiosk system to process one or more transactions for one or more users.
    Type: Application
    Filed: July 18, 2016
    Publication date: January 18, 2018
    Inventor: Richard Unnerstall
  • Publication number: 20170323278
    Abstract: Embodiments of the disclosure enable a tailored user experience to be provided. A kiosk system includes a scanner component configured to identify biometric data; a metric component configured to communicate with the scanner component to identify user identifier data based on the biometric data; a transaction component configured to communicate with the metric component to identify a financial account corresponding to the identified user identifier data, and generate a request for authorization for a financial transaction using the identified financial account; and a dispenser component configured to communicate with the transaction component to determine whether to dispense the beverage. Aspects of the disclosure provide for tailoring a user experience based on various factors including a user metric and/or an account metric.
    Type: Application
    Filed: May 6, 2016
    Publication date: November 9, 2017
    Inventor: Richard Unnerstall