Patents by Inventor Steven Cracknell

Steven Cracknell 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: 11847645
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: June 18, 2020
    Date of Patent: December 19, 2023
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 11803846
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: October 31, 2023
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 11272021
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.
    Type: Grant
    Filed: June 28, 2019
    Date of Patent: March 8, 2022
    Assignee: Visa International Service Association
    Inventors: Gwen Ma, Steven Cracknell
  • Publication number: 20210256506
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: January 28, 2021
    Publication date: August 19, 2021
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20200320515
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Application
    Filed: June 18, 2020
    Publication date: October 8, 2020
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Patent number: 10726413
    Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
    Type: Grant
    Filed: April 11, 2016
    Date of Patent: July 28, 2020
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Michael Mori, Ross Sakata, Steven Cracknell, Millie Yee, Mark Carlson, Patrick Stan, Surendra Keshan, Edward Katzin
  • Publication number: 20190342407
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.
    Type: Application
    Filed: June 28, 2019
    Publication date: November 7, 2019
    Inventors: Gwen Ma, Steven Cracknell
  • Patent number: 10397348
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.
    Type: Grant
    Filed: January 9, 2017
    Date of Patent: August 27, 2019
    Assignee: Visa International Service Association
    Inventors: Gwen Ma, Steven Cracknell
  • Patent number: 10282709
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: May 7, 2019
    Assignee: Visa International Service Association
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori
  • Publication number: 20180198876
    Abstract: Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.
    Type: Application
    Filed: January 9, 2017
    Publication date: July 12, 2018
    Inventors: Gwen Ma, Steven Cracknell
  • Publication number: 20140304158
    Abstract: Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
    Type: Application
    Filed: April 7, 2014
    Publication date: October 9, 2014
    Inventors: Gourab Basu, Steven Cracknell, Michael Mori