Patents by Inventor Silvio Tavares
Silvio Tavares 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: 11922497Abstract: A method employs consumer permissioned financial data to generate an updated credit score following a consumer authorization to access to at least one demand deposit account of the consumer for use in generating the credit score for the consumer. The consumer permissioned financial data may be sourced from any one of a plurality of aggregators where the aggregators employ different data structures for the financial data. The financial data is processed to automatically normalize the data received from an aggregator by applying a common classification system across the plurality of aggregators to classify a first set of data fields; and automatically, regardless of whether an updated credit score is advantageous for the consumer and independent of any further consumer permission, generating the updated credit score using a combination of credit file data for the consumer and the financial data received from the aggregator.Type: GrantFiled: October 27, 2022Date of Patent: March 5, 2024Assignee: VANTAGESCORE SOLUTIONS, LLCInventors: Greg Nelson, Andrada Ioana Pacheco, Nicholas Andrew Rose, Yusuf Emre Sahingur, Rikard Kaj Ragnar Bandebo, Silvio Tavares
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Publication number: 20200043012Abstract: Electronic receipts arising from transactions processed at a card transaction processing system are captured and stored at the processing system for subsequent access by merchants and cardholders. Advertisements and promotional offers may be placed on the electronic receipts for viewing by a cardholder when the receipts are accessed.Type: ApplicationFiled: August 9, 2019Publication date: February 6, 2020Applicant: First Data CorporationInventors: Silvio Tavares, Mark D. Baumgart, Javier M. Alvarado
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Patent number: 10535052Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: GrantFiled: January 28, 2019Date of Patent: January 14, 2020Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20190272552Abstract: Systems and methods are described for generating indexed sales data by aggregating point of sale (POS) datasets are aggregated from transactions at a plurality of POS terminals. The POS datasets for each transaction include a transaction amount, a merchant classifier, and a transaction time. An industry subset of the aggregated POS datasets is obtained for a given timeframe based on the merchant classifier. This industry subset comprises transactions for a given industry. A sales value is calculated for the industry subset, and a monthly fluctuation factor is applied to the sales value. Also, a normalization factor is applied to the sales value based on a percentage of the sales value relative to an overall market size to obtain the indexed sales value.Type: ApplicationFiled: May 22, 2019Publication date: September 5, 2019Inventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 10332135Abstract: Systems and methods are described for generating indexed sales data by aggregating point of sale (POS) datasets are aggregated from transactions at a plurality of POS terminals. The POS datasets for each transaction include a transaction amount, a merchant classifier, and a transaction time. An industry subset of the aggregated POS datasets is obtained for a given timeframe based on the merchant classifier. This industry subset comprises transactions for a given industry. A sales value is calculated for the industry subset, and a monthly fluctuation factor is applied to the sales value. Also, a normalization factor is applied to the sales value based on a percentage of the sales value relative to an overall market size to obtain the indexed sales value.Type: GrantFiled: March 5, 2012Date of Patent: June 25, 2019Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20190188671Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: ApplicationFiled: January 28, 2019Publication date: June 20, 2019Applicant: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 10217095Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: GrantFiled: May 17, 2018Date of Patent: February 26, 2019Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20180336541Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: ApplicationFiled: May 17, 2018Publication date: November 22, 2018Applicant: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20180268430Abstract: The invention provides systems and methods for collecting point-of-sale (POS) data, and then using this data to determine the effectiveness of a given promotion. The transaction data includes a merchant identifier for each of the merchants and a transaction amount for each transaction involving the merchants. One of the merchants is a promotion merchant that is offering a promotion involving transactions made with the merchant. A portion of the transaction data is aggregated into control merchant aggregated data involving control merchants, where the control merchant aggregated data comprises transaction data obtained other than from the promotion merchant. A characteristic of the purchases is calculated, both for transactions involving the promotion merchant and for the control merchants.Type: ApplicationFiled: March 15, 2018Publication date: September 20, 2018Applicant: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 10002349Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: GrantFiled: March 1, 2013Date of Patent: June 19, 2018Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 9972027Abstract: Systems and methods are provided to measure the effectiveness of viewing resources, such as web-based advertisements or web pages, on electronic devices in causing transaction activity to subsequently occur at a physical location associated with the resources. A first set of data records is provided that includes a uniform resource identifier (URI) of a resource that was viewed by an electronic device, one or more physical locations, each physical location representing a physical location of the merchant associated with the URI, a date/time that the resource was viewed by the electronic device, and payment instrument indicia regarding a payment instrument which has been used for completion of a previous web-based transaction by an electronic device having the same UDID that viewed the URI of the resource.Type: GrantFiled: October 28, 2014Date of Patent: May 15, 2018Assignee: VSK Ventures, LLCInventor: Silvio Tavares
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Publication number: 20150206087Abstract: Novel tools and techniques that can optimize the ability of a merchant's to balance pricing and offer strategies based on a real-time analysis of the merchant's performance relative to similar merchants (e.g., merchants selling similar products and/or merchants in a similar location) and/or match such strategies with a real-time assessment of consumers that have a high propensity to respond to such advertising. In one aspect, certain tools can employ data analytics tools to support these functions, for example, to determine relative performance of a merchant and/or to identify customers with a high propensity to purchase from the merchant. In another aspect, certain tools can employ feedback techniques to adjust or fine-tune the advertising strategy.Type: ApplicationFiled: January 17, 2014Publication date: July 23, 2015Applicant: VSK Ventures, LLCInventor: Silvio Tavares
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Patent number: 8781874Abstract: In one method, a request is received for a market trend report corresponding to a designated payment type over a designated timeframe. A payment type dataset is identified from aggregated POS data. The payment type dataset comprises POS datasets corresponding to the timeframe and to transactions categorized by payment type. Market trend data is generated as a function of the payment type dataset and is output as a report. The method may produce a variety of reports. For example, a report may display the percentage of transactions for each payment type in terms of numbers of transactions. A report may further show whether each payment type is increasing or decreasing in numbers of transactions over the timeframe.Type: GrantFiled: February 29, 2012Date of Patent: July 15, 2014Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 8775242Abstract: The invention provides systems and methods for collecting point-of-sale (POS) data, and then using this data to determine the effectiveness of a given promotion. The transaction data includes a merchant identifier for each of the merchants and a transaction amount for each transaction involving the merchants. One of the merchants is a promotion merchant that is offering a promotion involving transactions made with the merchant. A portion of the transaction data is aggregated into control merchant aggregated data involving control merchants, where the control merchant aggregated data comprises transaction data obtained other than from the promotion merchant. A characteristic of the purchases is calculated, both for transactions involving the promotion merchant and for the control merchants.Type: GrantFiled: February 27, 2012Date of Patent: July 8, 2014Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Patent number: 8706543Abstract: The invention provides the ability to evaluate transaction activity of customers following the redemption of a promotion, such as the redemption of a prepaid instrument, coupon, or the like. For example, the subsequent activity could be where customers shopped after redeeming a coupon. Examples of such reports that could be generated include the percentage of redeemers who returned to the same merchant or who went elsewhere. In some cases, customers could do both, or neither and the reports could indicate such activity. Further reports could show the amount spent for each return visit (both for those who return and go elsewhere), as well as the percentage who shop only with the merchant, and nowhere else.Type: GrantFiled: February 28, 2012Date of Patent: April 22, 2014Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20130231976Abstract: Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes.Type: ApplicationFiled: March 1, 2013Publication date: September 5, 2013Applicant: FIRST DATA CORPORATIONInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20130151344Abstract: Electronic receipts arising from transactions processed at a card transaction processing system are captured and stored at the processing system for subsequent access by merchants and cardholders. Advertisements and promotional offers may be placed on the electronic receipts for viewing by a cardholder when the receipts are accessed.Type: ApplicationFiled: June 6, 2012Publication date: June 13, 2013Applicant: FIRST DATA CORPORATIONInventors: Silvio Tavares, Mark D. Baumgart, Javier M. Alvarado
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Patent number: 8306846Abstract: One embodiment provides a method for evaluating transaction data to determine point of location usage. This could be, for example, to determine where customers are mostly likely to shop before or after shopping at a given merchant. For instance, the method could show the percentage of customers that shop at certain types of stores during a time period right before or after shopping at the merchant's location. As another example, the method could be used to determine when a merchant's customer makes a purchase at the merchant's store, then makes a purchase at a competing merchant's store within a specified time.Type: GrantFiled: December 8, 2011Date of Patent: November 6, 2012Assignee: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20120253903Abstract: The invention provides systems and methods for collecting point-of-sale (POS) data, and then using this data to determine the effectiveness of a given promotion. The transaction data includes a merchant identifier for each of the merchants and a transaction amount for each transaction involving the merchants. One of the merchants is a promotion merchant that is offering a promotion involving transactions made with the merchant. A portion of the transaction data is aggregated into control merchant aggregated data involving control merchants, where the control merchant aggregated data comprises transaction data obtained other than from the promotion merchant. A characteristic of the purchases is calculated, both for transactions involving the promotion merchant and for the control merchants.Type: ApplicationFiled: June 11, 2012Publication date: October 4, 2012Applicant: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson
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Publication number: 20120233090Abstract: Methods and systems may be used to provide information regarding investment holdings using point-of-sale (POS) data. To do so, POS datasets are aggregated from a plurality of POS terminals. Market data sets are identified from the POS datasets corresponding to a given market. Market trend data is generated from the market dataset, and an investment holding is identified whose price is related to an aspect of the market trend data. An analysis of the market trend data is performed to determine an estimated future price of the investment holding.Type: ApplicationFiled: April 13, 2012Publication date: September 13, 2012Applicant: First Data CorporationInventors: Silvio Tavares, Susan Fahy, Dennis Carlson