Patents by Inventor Robin O'Connell

Robin O'Connell 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: 10540659
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: January 11, 2019
    Date of Patent: January 21, 2020
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Publication number: 20190220862
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: January 11, 2019
    Publication date: July 18, 2019
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Publication number: 20170249636
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: May 1, 2017
    Publication date: August 31, 2017
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Patent number: 9685024
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: May 30, 2008
    Date of Patent: June 20, 2017
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Patent number: 8793189
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: June 19, 2012
    Date of Patent: July 29, 2014
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Publication number: 20120259783
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: June 19, 2012
    Publication date: October 11, 2012
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Publication number: 20110010296
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: September 9, 2010
    Publication date: January 13, 2011
    Inventors: Lynn Kemper, Akshey "Shawn" Vij, Robin O'Connell
  • Publication number: 20080265018
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: May 30, 2008
    Publication date: October 30, 2008
    Inventors: Lynn KEMPER, Akshey Shawn VIJ, Robin O'CONNELL
  • Publication number: 20080235136
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: May 29, 2008
    Publication date: September 25, 2008
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Patent number: 7427021
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: May 11, 2007
    Date of Patent: September 23, 2008
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell
  • Publication number: 20080228648
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: May 28, 2008
    Publication date: September 18, 2008
    Inventors: Lynn KEMPER, Akshey Shawn Vij, Robin O'Connell
  • Patent number: 7389275
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Grant
    Filed: March 5, 2002
    Date of Patent: June 17, 2008
    Assignee: Visa U.S.A. Inc.
    Inventors: Lynn Kemper, Akshey “Shawn” Vij, Robin O'Connell
  • Publication number: 20070205270
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: May 11, 2007
    Publication date: September 6, 2007
    Inventors: Lynn Kemper, Akshey Vij, Robin O'Connell
  • Publication number: 20030172040
    Abstract: An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.
    Type: Application
    Filed: March 5, 2002
    Publication date: September 11, 2003
    Applicant: Visa U.S.A.
    Inventors: Lynn Kemper, Akshey Shawn Vij, Robin O'Connell