Patents by Inventor Shaun Bodington
Shaun Bodington 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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Publication number: 20190251590Abstract: A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.Type: ApplicationFiled: April 26, 2019Publication date: August 15, 2019Inventor: Shaun Bodington
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Publication number: 20190026755Abstract: A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.Type: ApplicationFiled: September 24, 2018Publication date: January 24, 2019Inventors: Edward W. Fordyce, III, Karteek Hasmukh Patel, Shaun Bodington
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Patent number: 10121152Abstract: A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.Type: GrantFiled: September 27, 2007Date of Patent: November 6, 2018Assignee: Visa U.S.A. Inc.Inventors: Edward W. Fordyce, III, Karteek Hasmukh Patel, Shaun Bodington
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Publication number: 20160335653Abstract: A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.Type: ApplicationFiled: July 25, 2016Publication date: November 17, 2016Inventor: Shaun Bodington
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Patent number: 8727211Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.Type: GrantFiled: October 18, 2012Date of Patent: May 20, 2014Assignee: Visa U.S.A. Inc.Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti
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Patent number: 8682719Abstract: A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated with rewards to consumers after the consumers use their portable consumer devices. An offer from the plurality of offers is selected and a customized offer element including the offer and an identifier of an issuer that selected the offer is generated.Type: GrantFiled: March 20, 2007Date of Patent: March 25, 2014Assignee: Visa U.S.A. Inc.Inventors: Jodene Laramy, Shaun Bodington, Paula Marie Johnson-Alosi, Denise Nay O'Brien
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Publication number: 20130054463Abstract: Embodiments of the present invention include a dynamic and auditable rules-based spend requirement management (SRM) server configured to receive transaction data associated with a payment transaction involving an issuer of an account, where the account is associated with a first set of account level requirements (e.g., a minimum spend requirement) and a first interchange rate. The SRM is further configured to determine that the transaction data is not within the first set of account level requirements, but is within a second set of account level requirements associated with a second interchange rate, and associate the account to the second set of account level requirements by way of a final product identifier stored in a database accessible by a payment processing network (PPN).Type: ApplicationFiled: August 15, 2012Publication date: February 28, 2013Inventors: Ray Olson, David White, Shaun Bodington, Jie Feng
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Patent number: 8313021Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.Type: GrantFiled: February 4, 2008Date of Patent: November 20, 2012Assignee: Visa U.S.A.Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti
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Patent number: 8266031Abstract: Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.Type: GrantFiled: July 28, 2010Date of Patent: September 11, 2012Assignee: Visa U.S.A.Inventors: Mark Norris, Shaun Bodington, Nicola Stiff, Raymond Olson, Janet Martin, Rosann Woods, John Carr
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Publication number: 20120036073Abstract: Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.Type: ApplicationFiled: July 21, 2011Publication date: February 9, 2012Inventors: Gourab Basu, Shaun Bodington, Ross Sakata, Michael Mori
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Publication number: 20110029367Abstract: Systems and methods are provided to facilitate the generation and notification of transactions associated with account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to store transaction data recording the transactions, account data identifying at least one account feature of an account, and rules data identifying at least one qualification requirement. The system further includes a feature offer engine to use the rules data to monitor the transactions in the account to identify a first transaction, a notification engine to provide the account holder with an offer associated with a first account feature in real time with processing of the first transaction, and a portal to receive an approval of a second transaction in accordance with the offer.Type: ApplicationFiled: July 28, 2010Publication date: February 3, 2011Applicant: VISA U.S.A. INC.Inventors: Ray Olson, Janet Martin, Shaun Bodington, Nicola Stiff, Mark Norris, Rosann Woods, John Carr
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Publication number: 20110029430Abstract: Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.Type: ApplicationFiled: July 28, 2010Publication date: February 3, 2011Applicant: VISA U.S.A. INC.Inventors: Mark Norris, Shaun Bodington, Nicola Stiff, Ray Olson, Janet Martin, Rosann Woods, John Carr
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Publication number: 20100211445Abstract: A set of accounts usable for cashless transactions are electronically linked together. The accounts in the set may be associated with different accountholders, issuers, financial institutions, transaction handlers, or combinations thereof. A stakeholder sets up rules that govern, in part, processing of cashless transactions upon the accounts in the set. The rules alter routing of the cashless transaction from one account to another in the set. Loyalty features are determined accordingly. In one implementation, the rule alters the routing of the cashless transaction to optimize a loyalty feature. Amounts spent in transactions upon the accounts in the account set may be tracked, analyzed or reported on to create targeted offers. Fulfillment of the targeted offers may be conditioned on validating that the actual spend upon the accounts in the set match a predetermined threshold.Type: ApplicationFiled: January 15, 2010Publication date: August 19, 2010Inventor: Shaun Bodington
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Publication number: 20080296369Abstract: A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.Type: ApplicationFiled: February 4, 2008Publication date: December 4, 2008Inventors: Shaun Bodington, Barbara Elizabeth Patterson, Gregory Charles Trifiletti
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Publication number: 20080195473Abstract: A method for managing rewards programs is disclosed. The method includes reviewing a plurality of offers from a plurality of merchants on a host site via the Internet. The offers are associated with rewards to consumers after the consumers use their portable consumer devices. An offer from the plurality of offers is selected and a customized offer element including the offer and an identifier of an issuer that selected the offer is generated.Type: ApplicationFiled: March 20, 2007Publication date: August 14, 2008Inventors: Jodene Laramy, Shaun Bodington, Paula Marie Johnson-Alosi, Denise Nay O'Brien
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Publication number: 20080082418Abstract: A set of conditional rewards are associated with a consumer. Thereafter, notice of a reward is given for each of the consumer's transactions upon one of the consumer's accounts that satisfies one of the conditional rewards in the set. The set may be selected by the consumer, or by the issuer such as when the issuer uses a transaction history of purchases made on the consumer's account to determine the set of conditional rewards that would match a past purchasing trend of the consumer. A Globally Unique Identifier, unique within a plurality of transaction processing systems, can be associated with the consumer and used to match the transactions to a corresponding conditional reward.Type: ApplicationFiled: September 27, 2007Publication date: April 3, 2008Inventors: Edward W. Fordyce, Karteek Hasmukh Patel, Shaun Bodington