Patents by Inventor Ryan Hagey
Ryan Hagey 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: 11564102Abstract: A methodology for processing authorization request messages based on proximate wireless networks is disclosed. In particular, a computer may receive, from an access device or a communication device, an authorization request message in a transaction. The computer may then obtain network data based on a set of wireless networks that are proximate to the access device or the communication device interacting with the access device during the transaction. Next, the computer may determine a difference between the network data and previous network data, wherein the previous network data is based on one or more previous sets of wireless networks that were proximate to the access device or the communication device during one or more previous transactions. Responsive to determining that the difference exceeds threshold, the computer may initiate one or more actions associated with the transaction.Type: GrantFiled: March 30, 2017Date of Patent: January 24, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ryan Hagey, Justin Howe
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Publication number: 20220156738Abstract: Embodiments of the present invention are directed to methods and systems for the efficient management of a digital currency system using a cryptocurrency scheme. Embodiments utilize a payment processor computer to manage entities in the digital currency system, which have the rights to generate, distribute, transact with, and redeem units of a digital currency. In some embodiments, the digital currency may represent points in a loyalty program operated by an entity or organization. Transactions performed using the digital currency and rules governing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer, and distributed as sub-ledgers to other entities within the digital currency system.Type: ApplicationFiled: January 27, 2022Publication date: May 19, 2022Inventors: Michael Bankston, David White, Ryan Hagey, Arturo Martinez
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Patent number: 11270299Abstract: Embodiments of the present invention are directed to methods and systems for the efficient management of a digital currency system using a cryptocurrency scheme. Embodiments utilize a payment processor computer to manage entities in the digital currency system, which have the rights to generate, distribute, transact with, and redeem units of a digital currency. In some embodiments, the digital currency may represent points in a loyalty program operated by an entity or organization. Transactions performed using the digital currency and rules governing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer, and distributed as sub-ledgers to other entities within the digital currency system.Type: GrantFiled: December 7, 2015Date of Patent: March 8, 2022Assignee: Visa International Service AssociationInventors: Michael Bankston, David White, Ryan Hagey, Arturo Martinez
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Publication number: 20210233093Abstract: Provided is a method and computer program product for ranking and selecting triggers. The method includes displaying a user interface to a marketer user, determining a predicted effectiveness for each trigger of a set of triggers associated with at least one offer based at least partially on a likelihood of a plurality of users performing transactions satisfying conditions associated with each trigger of the set of triggers, generating a ranked set of triggers by ranking each trigger of the set of triggers according to the predicted effectiveness of each respective trigger of the set of triggers, displaying the ranked set of triggers for the selection of at least one trigger, and in response to the selection of the at least one trigger by the marketer user from the user interface, generating at least one trigger record from the at least one trigger.Type: ApplicationFiled: April 12, 2021Publication date: July 29, 2021Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 11037141Abstract: A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account.Type: GrantFiled: August 21, 2019Date of Patent: June 15, 2021Assignee: Visa International Service AssociationInventor: Ryan Hagey
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Patent number: 10977666Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: GrantFiled: April 11, 2018Date of Patent: April 13, 2021Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Patent number: 10943231Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: GrantFiled: August 28, 2018Date of Patent: March 9, 2021Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Patent number: 10733623Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.Type: GrantFiled: February 2, 2018Date of Patent: August 4, 2020Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20200029218Abstract: A methodology for processing authorization request messages based on proximate wireless networks is disclosed. In particular, a computer may receive, from an access device or a communication device, an authorization request message in a transaction. The computer may then obtain network data based on a set of wireless networks that are proximate to the access device or the communication device interacting with the access device during the transaction. Next, the computer may determine a difference between the network data and previous network data, wherein the previous network data is based on one or more previous sets of wireless networks that were proximate to the access device or the communication device during one or more previous transactions. Responsive to determining that the difference exceeds threshold, the computer may initiate one or more actions associated with the transaction.Type: ApplicationFiled: March 30, 2017Publication date: January 23, 2020Inventors: Ryan Hagey, Justin Howe
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Publication number: 20190378126Abstract: A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account.Type: ApplicationFiled: August 21, 2019Publication date: December 12, 2019Inventor: Ryan Hagey
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Patent number: 10504118Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.Type: GrantFiled: March 8, 2017Date of Patent: December 10, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell
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Patent number: 10438199Abstract: A system includes a transaction handler configured to communicate with a first issuer processor to maintain a balance of a stored value account, store an offer in association with the stored value account and a consumer account that is under control of a second issuer processor, detect in the consumer account a transaction satisfying requirements of the offer, apply at least a portion of the balance of the stored value account to the transaction, determine a reduced transaction amount for the transaction after applying at least the portion of the balance of the stored value account to the transaction, and communicate with the second issuer processor for an authorization response for the transaction of the reduced transaction amount in the consumer account.Type: GrantFiled: August 9, 2013Date of Patent: October 8, 2019Assignee: Visa International Service AssociationInventor: Ryan Hagey
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Patent number: 10346839Abstract: A system, configured to integrate the processing of transactions and offers applicable to the transactions, includes: a data warehouse storing an offer in association with a financial payment account; a gateway configured to receive an authorization request that is transmitted from a transaction terminal without going through an acquirer processor, the gateway coupled with the data warehouse to determine whether the offer is applicable to the authorization request and if so, apply a benefit of the offer to the authorization request; and a transaction handler coupled with the gateway to process the authorization request submitted from the gateway, provide an authorization response corresponding to the authorization request, and communicate with the acquirer processor to credit funds according to the authorization request to a merchant account associated with the transaction terminal.Type: GrantFiled: October 19, 2016Date of Patent: July 9, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 10339554Abstract: A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.Type: GrantFiled: March 16, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Derek A. Vroom, Michael Steven Bankston
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Patent number: 10339553Abstract: A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.Type: GrantFiled: August 22, 2016Date of Patent: July 2, 2019Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Publication number: 20180365690Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: ApplicationFiled: August 28, 2018Publication date: December 20, 2018Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Patent number: 10078837Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.Type: GrantFiled: September 26, 2014Date of Patent: September 18, 2018Assignee: Visa International Service AssociationInventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick, Nancy L. Kim
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Publication number: 20180247319Abstract: In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.Type: ApplicationFiled: April 11, 2018Publication date: August 30, 2018Inventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael James Gebbie, Michael Steven Bankston
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Publication number: 20180158091Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.Type: ApplicationFiled: February 2, 2018Publication date: June 7, 2018Inventors: Joseph Bjorn Ovick, Mark Carlson, Ryan Hagey, Margaret Reid, Patrick Stan, Patrick Wright, Krishna Prasad Koganti, Glenn Powell, Phillip Lyle Kumnick
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Patent number: 9990643Abstract: In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.Type: GrantFiled: April 29, 2014Date of Patent: June 5, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jeanette Yoder, Leigh Amaro, Ryan Hagey, Michael Steven Bankston