Patents by Inventor Rick Unnerstall

Rick 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: 10867300
    Abstract: A geofence computing device for creating and monitoring geofence zones is described herein. The geofence computing device includes a processor and a memory. The processor is configured to receive geofence data from the user device, the geofence data including a user defined geofence zone and a geofence rule. The processor is also configured to receive transaction data. The processor is further configured to determine a geographic location of the merchant. The processor is also configured to retrieve the geofence data from the memory and compare the merchant geographic location to the user defined geofence zone. The processor is further configured to apply the geofence rule based on the comparison of the merchant geographic location to the user defined geofence zone. The processor is also configured to add a flag to the authorization request message indicating whether the transaction satisfies or violates the geofence rule.
    Type: Grant
    Filed: November 3, 2016
    Date of Patent: December 15, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rick Unnerstall, Bradley Kenneth Dickinson
  • Patent number: 10796332
    Abstract: A digital modifier processing system includes a memory and a processor that receives a transaction message for a pending digital wallet payment transaction that includes a digital wallet identifier and a merchant identifier, identifies the digital wallet of the consumer based on the digital wallet identifier, determines, based on the merchant identifier, that the digital wallet of the consumer contains a digital modifier associated with the merchant that was donated by the merchant to a fundraiser as part of a fundraising campaign, the digital modifier identifies (a) one or more of a product and a service and (b) a discount amount for the one or more of the product and the service, verifies one or more of the authenticity and validity of the digital modifier, calculates a modified transaction price based on the discount amount, and transmits the modified transaction price for use in completing the pending payment transaction.
    Type: Grant
    Filed: September 5, 2018
    Date of Patent: October 6, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rick Unnerstall
  • Patent number: 10798582
    Abstract: Users may enroll one or more devices based on device information and a resource information associated with a resource. Such information and identifiers may be tokenized according to a hash algorithm to generate an enrolled user token. This enrolled user token may be utilized to verify communications and status changes of the user device. In response to a change of status of the user, similar information as that used to generate the enrolled user token, or at least a portion thereof, may be gathered from the user device and subjected to the same hash algorithm to generate a current user token. The current user token and the enrolled user token may be compared to determine if the user device is a spoofed device.
    Type: Grant
    Filed: January 23, 2020
    Date of Patent: October 6, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rick Unnerstall, Corey M. Hively
  • Patent number: 10769575
    Abstract: Systems and methods are provided for distributing parcels to recipients based on location data associated with the recipients. One exemplary method includes generating and storing a shipping file for the recipient, where the shipping file includes an identifier for a portable communication device associated with the recipient and a defined geographic region for the recipient, and retrieving location data for a location of the portable communication device based on the identifier associated with the portable communication device. The method also includes determining whether the location of the portable communication device is within the defined geographic region. The method then further includes directing an entity associated with the parcel to ship the parcel to the recipient when the location is determined to be within the defined geographic region, and directing the entity to hold shipment of the parcel when the location is determined to be outside the defined geographic region.
    Type: Grant
    Filed: September 26, 2017
    Date of Patent: September 8, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rick Unnerstall, Bernard Wong, Corey M. Hively
  • Publication number: 20200258072
    Abstract: A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.
    Type: Application
    Filed: February 11, 2019
    Publication date: August 13, 2020
    Inventors: Rick Unnerstall, Zhenni Hu, Brian Williams, Christopher Eric Mullen
  • Patent number: 10741026
    Abstract: Systems and methods herein relate to augmented reality (AR) experiences for users. One exemplary method includes determining whether a computing device, associated with a user, is within a wagering area for an event and, when the computing device is within the wagering area, accessing an event record from a wagering hub for the event. The event record includes an offer for a wager from an originating user within the wagering area. The method also includes providing an AR experience to the user including a symbol for the offer for the wager included in the event record, where the symbol includes at least one detail of the wager, and transmitting an acceptance of the offer for the wager to the wagering hub based on an input, by the user, directed to the offer in the AR experience.
    Type: Grant
    Filed: August 28, 2018
    Date of Patent: August 11, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rick Unnerstall
  • Publication number: 20200162923
    Abstract: Users may enroll one or more devices based on device information and a resource information associated with a resource. Such information and identifiers may be tokenized according to a hash algorithm to generate an enrolled user token. This enrolled user token may be utilized to verify communications and status changes of the user device. In response to a change of status of the user, similar information as that used to generate the enrolled user token, or at least a portion thereof, may be gathered from the user device and subjected to the same hash algorithm to generate a current user token. The current user token and the enrolled user token may be compared to determine if the user device is a spoofed device.
    Type: Application
    Filed: January 23, 2020
    Publication date: May 21, 2020
    Inventors: Rick Unnerstall, Corey M. Hively
  • Patent number: 10636009
    Abstract: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.
    Type: Grant
    Filed: April 8, 2019
    Date of Patent: April 28, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rick Unnerstall
  • Publication number: 20200074495
    Abstract: A digital modifier processing system includes a memory and a processor that receives a transaction message for a pending digital wallet payment transaction that includes a digital wallet identifier and a merchant identifier, identifies the digital wallet of the consumer based on the digital wallet identifier, determines, based on the merchant identifier, that the digital wallet of the consumer contains a digital modifier associated with the merchant that was donated by the merchant to a fundraiser as part of a fundraising campaign, the digital modifier identifies (a) one or more of a product and a service and (b) a discount amount for the one or more of the product and the service, verifies one or more of the authenticity and validity of the digital modifier, calculates a modified transaction price based on the discount amount, and transmits the modified transaction price for use in completing the pending payment transaction.
    Type: Application
    Filed: September 5, 2018
    Publication date: March 5, 2020
    Inventor: Rick Unnerstall
  • Publication number: 20200074808
    Abstract: Systems and methods herein relate to augmented reality (AR) experiences for users. One exemplary method includes determining whether a computing device, associated with a user, is within a wagering area for an event and, when the computing device is within the wagering area, accessing an event record from a wagering hub for the event. The event record includes an offer for a wager from an originating user within the wagering area. The method also includes providing an AR experience to the user including a symbol for the offer for the wager included in the event record, where the symbol includes at least one detail of the wager, and transmitting an acceptance of the offer for the wager to the wagering hub based on an input, by the user, directed to the offer in the AR experience.
    Type: Application
    Filed: August 28, 2018
    Publication date: March 5, 2020
    Inventor: Rick Unnerstall
  • Publication number: 20200066040
    Abstract: An augmented reality (AR) system for generating AR-based profiles using an AR computing device and an AR display device is provided. The AR system is configured to detect a consumer computing device located at a predefined distance from the AR display device, and transmit an electronic request message to an electronic computer application stored on the consumer computing device. The AR system is also configured to receive an electronic response message from the consumer computing device, wherein the electronic response message includes AR consumer data, and retrieve, from a database, an AR-based profile associated with the consumer based on the AR consumer identifier. The AR system is further configured to transmit the AR-based profile in the form of AR data to the AR display device, and display the AR data on a display screen of the AR display device.
    Type: Application
    Filed: August 21, 2018
    Publication date: February 27, 2020
    Inventors: Rick Unnerstall, Ping X Chen, Brian Williams, Emily Marie Thompson, Ke Zhou, Zhenni Hu, Christopher Eric Mullen
  • Patent number: 10575179
    Abstract: Users may enroll one or more devices based on device information and a resource information associated with a resource. Such information and identifiers may be tokenized according to a hash algorithm to generate an enrolled user token. This enrolled user token may be utilized to verify communications and status changes of the user device. In response to a change of status of the user, similar information as that used to generate the enrolled user token, or at least a portion thereof, may be gathered from the user device and subjected to the same hash algorithm to generate a current user token. The current user token and the enrolled user token may be compared to determine if the user device is a spoofed device.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: February 25, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rick Unnerstall, Corey M. Hively
  • Publication number: 20190236540
    Abstract: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.
    Type: Application
    Filed: April 8, 2019
    Publication date: August 1, 2019
    Inventor: Rick Unnerstall
  • Publication number: 20190236715
    Abstract: A sales tax analysis computing device is configured to: (i) build a database table of locality sales tax data, the database table comprising a plurality of sales tax rates, each sales tax rate of the plurality of sales tax rates associated with a particular locality; (ii) receive at least one of a) transaction data and b) a request from a mobile communications device of a user for locality sales tax data; (iii) determine a first locality associated with at least one of a) the transaction data and b) the mobile communications device; (iv) determine, based on the database table, a first sales tax rate associated with the first locality; (v) identify, based on the database table, at least one sales tax rate that is less than the first sales tax rate; (vi) generate a code snippet that includes the identified at least one sales tax rate; and (vii) provide the code snippet to the mobile communications device.
    Type: Application
    Filed: January 29, 2018
    Publication date: August 1, 2019
    Inventor: Rick Unnerstall
  • Publication number: 20190197500
    Abstract: Systems and methods are provided for facilitating network transactions through a virtual terminal assigned to a property. An exemplary method includes assigning, by a computing device, a virtual terminal to a property where the property is associated with a user and activating, by the computing device, the virtual terminal for an account associated with the user. The method also includes soliciting, by the computing device, transaction details from an initiating user, for a network transaction between an account associated with the initiating user and the account of the user, through the virtual terminal in an augmented reality environment when the initiating user is present at the property. The method additionally includes initiating the network transaction based on the transaction details received from the initiating user and the account associated with the user.
    Type: Application
    Filed: December 21, 2017
    Publication date: June 27, 2019
    Inventor: Rick Unnerstall
  • Publication number: 20190180283
    Abstract: A sleep pattern analyzer (SPA) system for capturing and analyzing sleep data and sleep pattern data is provided. The SPA system is configured to receive sleep data associated with a user, the sleep data including a registered user identifier and at least one sleep time stamp, and store the sleep data in a sleep pattern database. The SPA system is also configured to receive transaction data for a transaction initiated by a consumer with a merchant. The SPA system is further configured to match the consumer identifier to the registered user identifier, generate a fraud notification message when the transaction time stamp overlaps with the at least one sleep time stamp, and transmit the fraud notification message to at least one of an issuer, the merchant, and the consumer associated with the consumer identifier.
    Type: Application
    Filed: December 11, 2017
    Publication date: June 13, 2019
    Inventor: Rick Unnerstall
  • Publication number: 20190130432
    Abstract: An electronic payment card processing system and method includes a host computing device having at least one processor in communication with a memory device and a multi-party payment processing network for processing payment-by-card transactions. The host computing device is configured to identify a first payment-by-card transaction between an enrolled cardholder and a first enrolled merchant that is processed over the multi-party payment processing network, identify at least one affiliated merchant of the first enrolled merchant; and send an affiliate incentive offer for the at least one affiliated merchant to the enrolled cardholder.
    Type: Application
    Filed: November 1, 2017
    Publication date: May 2, 2019
    Inventor: Rick Unnerstall
  • Patent number: 10255579
    Abstract: A shipping remittance processor may receive periodic checkpoint data packets during shipping of an object, via a handler, along a shipping route. The shipping remittance processor may then analyze tracking information located in the checkpoint data packet to determine if the tracking information is authentic, and if the object has reached a checkpoint along the shipping route. If the object has reached the checkpoint, the shipping remittance processor may output a remittance indication indicating to output a portion of the total delivery remittance to the handler's remittance account.
    Type: Grant
    Filed: June 9, 2016
    Date of Patent: April 9, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Rick Unnerstall
  • Publication number: 20190095858
    Abstract: Systems and methods are provided for distributing parcels to recipients based on location data associated with the recipients. One exemplary method includes generating and storing a shipping file for the recipient, where the shipping file includes an identifier for a portable communication device associated with the recipient and a defined geographic region for the recipient, and retrieving location data for a location of the portable communication device based on the identifier associated with the portable communication device. The method also includes determining whether the location of the portable communication device is within the defined geographic region. The method then further includes directing an entity associated with the parcel to ship the parcel to the recipient when the location is determined to be within the defined geographic region, and directing the entity to hold shipment of the parcel when the location is determined to be outside the defined geographic region.
    Type: Application
    Filed: September 26, 2017
    Publication date: March 28, 2019
    Inventors: Rick Unnerstall, Bernard Wong, Corey M. Hively
  • Publication number: 20180253704
    Abstract: Systems and methods are provided for use in facilitating payment account transactions in connection with registration of consumers to participate in fitness events. An example method includes generating, at a fitness-pass engine, a fitness-pass profile for a consumer in association with a fitness-pass application, and associating a payment credential for the consumer with the fitness-pass profile. The method also includes, in response to an input from the fitness-pass application, transmitting, by the fitness-pass engine to the fitness-pass application, event content associated with various fitness events based on the input. The method then includes, in response to a selection of one of the fitness events, facilitating a transaction for a fee associated with the selected fitness event between a fitness event organizer for the event and the consumer based on the consumer's payment credential, and transmitting, by the fitness-pass engine, a confirmation of the transaction to the fitness event organizer.
    Type: Application
    Filed: March 3, 2017
    Publication date: September 6, 2018
    Inventors: Rick Unnerstall, Cassandra Boland