Patents by Inventor Shawn Mehrhoff
Shawn Mehrhoff 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: 11978078Abstract: Described herein is a computing system for linking products and containers to cardholders. The computing system is configured to receive transaction data associated with a transaction carried out by a cardholder, the transaction data including an account identifier associated with the cardholder, a product identifier, and a container identifier associated with a product purchased in the transaction. The computing system also links the product identifier and the container identifier to the account identifier, and stores the linked product identifier, container identifier, and account identifier. The computing system receives, from a user device, the container identifier associated with the container received by a user associated with recycling the container, determines the account identifier linked to the container identifier associated with the product received by the user, and automatically provides a reward to the cardholder via the account identifier.Type: GrantFiled: December 30, 2020Date of Patent: May 7, 2024Assignee: MASTERCARD INTERNATIONAL INCORORATEDInventors: Shawn Mehrhoff, Christopher T. Scholl
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Publication number: 20240104532Abstract: A token management computing system for provisioning at least one secure payment token for use in payment transactions is provided. The token management computing system includes a token storage device in communication with a plurality of user computing devices each associated with a respective user, and a token management (“TM”) server. The TM server is programmed to receive a token request for at least one token, generate, upon receiving the token request, the at least one token, wherein the at least one token includes at least one of i) a prepaid token including prepaid funds, ii) multiple tokens each associated with a different user, and iii) a budgeting token associated with a plurality of virtual budget accounts.Type: ApplicationFiled: December 11, 2023Publication date: March 28, 2024Inventors: Christopher T. Scholl, David Vorhies, Shawn Mehrhoff
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Publication number: 20240095735Abstract: Described is a computer system for creating a digital record of a physical item of value. The computer system includes a network computer device comprising at least one processor communicatively coupled to at least one memory and a distributed network of computer nodes each associated with a respective entity of a plurality of entities, each computer node comprising a camera and an optical character recognition (OCR) application executable thereon, each computer node is communicatively coupled to the network computer device.Type: ApplicationFiled: November 28, 2023Publication date: March 21, 2024Inventors: Shawn Mehrhoff, Matthew Wease, Christopher T. Scholl
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Patent number: 11842328Abstract: A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.Type: GrantFiled: October 24, 2019Date of Patent: December 12, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shawn Mehrhoff, Christopher T. Scholl
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Publication number: 20230071323Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.Type: ApplicationFiled: November 14, 2022Publication date: March 9, 2023Inventors: Michael Martel Spratt, Rahul Deshpande, Akeda Hosten, Stewart Boling, Epher Mendoza, Adam Axe, Shawn Mehrhoff, Christopher T. Scholl, David Vorhies
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Publication number: 20220261778Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.Type: ApplicationFiled: May 2, 2022Publication date: August 18, 2022Inventors: Christopher T. Scholl, James W. Barkhurst, Shawn Mehrhoff
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Publication number: 20220207551Abstract: Described herein is a computing system for linking products and containers to cardholders. The computing system is configured to receive transaction data associated with a transaction carried out by a cardholder, the transaction data including an account identifier associated with the cardholder, a product identifier, and a container identifier associated with a product purchased in the transaction. The computing system also links the product identifier and the container identifier to the account identifier, and stores the linked product identifier, container identifier, and account identifier. The computing system receives, from a user device, the container identifier associated with the container received by a user associated with recycling the container, determines the account identifier linked to the container identifier associated with the product received by the user, and automatically provides a reward to the cardholder via the account identifier.Type: ApplicationFiled: December 30, 2020Publication date: June 30, 2022Inventors: Shawn Mehrhoff, Christopher T. Scholl
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Patent number: 11321689Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.Type: GrantFiled: October 14, 2019Date of Patent: May 3, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher T. Scholl, James W. Barkhurst, Shawn Mehrhoff
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Publication number: 20220115126Abstract: A virtual caregiver (VC) computing device may be provided. The VC computing device may include at least one processor in communication with at least one memory device, at least one sensor, and a payment processing network. The at least one processor may be configured to receive task data, generate, based on the task data, a task including a task identifier, a fulfillment condition, and a time deadline, store the generated task in a task database, receive, from the at least one sensor, sensor data, retrieve, from the payment processing network, transaction data, compare at least one of the received sensor data and the retrieved transaction data to the fulfillment condition to determine that the fulfillment condition has occurred, and record, in the task database, the task as fulfilled based on the determination that the fulfillment condition has occurred.Type: ApplicationFiled: October 7, 2021Publication date: April 14, 2022Inventors: Christopher T. Scholl, Shawn Mehrhoff, James W. Barkhurst
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Publication number: 20220101311Abstract: Described are systems and methods for tracking a physical currency. A computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is configured to store a plurality of currency identifiers associated with a respective plurality of physical currency units and store a plurality of entity identifiers associated with a respective plurality of an individual currency accounts. The processor is further configured to create and store a first electronic record including a first currency identifier and a first entity identifier. The record indicates that a first entity is a registered owner of a first physical currency unit. The processor is further configured to create and store a second record, in response to a transfer of the first currency unit to a second entity. The second record indicates that the second entity is a registered owner of a first physical currency unit.Type: ApplicationFiled: September 28, 2020Publication date: March 31, 2022Inventors: Shawn Mehrhoff, Matthew Wease, Christopher T. Scholl
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Publication number: 20210337344Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.Type: ApplicationFiled: July 5, 2021Publication date: October 28, 2021Inventors: Shawn Mehrhoff, Madeline Mueller, Christopher T. Scholl
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Patent number: 11074642Abstract: A system, computer-readable media and computer-implemented method for automated location interaction management. User input at least partly defining an item is received and stored via a mobile electronic device. A location interaction trigger for the item is automatically determined to have occurred, based at least in part on a geolocation of the mobile electronic device. An alert is generated describing the item for display on a display of the mobile electronic device.Type: GrantFiled: April 18, 2018Date of Patent: July 27, 2021Assignee: Mastercard International IncorporatedInventors: Shawn Mehrhoff, Christopher T. Scholl
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Patent number: 11057735Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.Type: GrantFiled: November 22, 2019Date of Patent: July 6, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shawn Mehrhoff, Madeline Mueller, Christopher T. Scholl
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Publication number: 20210158957Abstract: A computer-implemented method for aiding a caregiver in monitoring the needs of a person includes monitoring a plurality of transaction parameters of the person and determining if at least one of the plurality of transaction parameters being monitored satisfies a transaction parameter alert criterion. In response to at least one of the transaction parameters satisfying the transaction parameter alert criterion, a first need of the person is determined. Further, a service provider database is queried to retrieve a first service provider record having a service provider description associated with the first need of the person. A referral message identifying the service provider associated with the first service provider record is transmitted to the caregiver.Type: ApplicationFiled: November 26, 2019Publication date: May 27, 2021Inventors: Shawn Mehrhoff, Christopher T. Scholl, James W. Barkhurst
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Publication number: 20210160652Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.Type: ApplicationFiled: November 22, 2019Publication date: May 27, 2021Inventors: SHAWN MEHRHOFF, Madeline Mueller, Christopher T. Scholl
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Publication number: 20210125164Abstract: A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.Type: ApplicationFiled: October 24, 2019Publication date: April 29, 2021Inventors: Shawn Mehrhoff, Christopher T. Scholl
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Publication number: 20210110364Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.Type: ApplicationFiled: October 14, 2019Publication date: April 15, 2021Inventors: Christopher T. Scholl, James W. Barkhurst, Shawn Mehrhoff
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Patent number: 10641803Abstract: A power calculating (PC) computing device including a processor and a memory in communication with the processor, the processor programmed to retrieve power supply data from a renewable energy device, wherein the power supply data includes at least one measurement associated with renewable power generation, retrieve power status data from an accumulator, retrieve power demand data from a power monitor device associated with an electrical device, retrieve utility status data from a utility data provider, generate aggregate power data based on the power supply data, the power status data, and the power demand data, and calculate a power cost metric based on the aggregate power data and the utility status data.Type: GrantFiled: November 8, 2017Date of Patent: May 5, 2020Assignee: Mastercard International IncorporatedInventors: Shawn Mehrhoff, Christopher T. Scholl
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Publication number: 20190332706Abstract: Systems and methods are provided for providing data structure access. One exemplary system includes first and second data structures including first and second data, respectively, where at least some of the second data is disparate from the first data. First and second APIs are associated with the first and second data structures, respectively. And, an access engine computing device coupled to the first and second data structures is configured to receive a request, from a requestor, directed to the first and second data and call the first and second APIs to request the first and second data from the respective data structures. Upon receiving the first and second data, the computing device is configured to store the first and second data in memory and compile a data file including the data. The computing device is then configured to provide the data file to the requestor, in response to the request.Type: ApplicationFiled: April 27, 2018Publication date: October 31, 2019Inventors: Rolando J. Leon, Shawn Mehrhoff, Christopher T. Scholl
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Publication number: 20190325505Abstract: A system, computer-readable media and computer-implemented method for automated location interaction management. User input at least partly defining an item is received and stored via a mobile electronic device. A location interaction trigger for the item is automatically determined to have occurred, based at least in part on a geolocation of the mobile electronic device. An alert is generated describing the item for display on a display of the mobile electronic device.Type: ApplicationFiled: April 18, 2018Publication date: October 24, 2019Applicant: Mastercard International IncorporatedInventors: Shawn Mehrhoff, Christopher T. Scholl