Patents by Inventor Suzanne Adrienne LaProva

Suzanne Adrienne LaProva 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).

  • Method and apparatus for consumer driven protection for payment card transactions
    Patent number: 8725601
    Abstract: Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.
    Type: Grant
    Filed: January 14, 2009
    Date of Patent: May 13, 2014
    Assignee: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva
  • Method and apparatus for consumer driven protection for payment card transactions
    Patent number: 8660955
    Abstract: Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: February 25, 2014
    Assignee: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva
  • METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS
    Publication number: 20130013513
    Abstract: Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.
    Type: Application
    Filed: September 14, 2012
    Publication date: January 10, 2013
    Applicant: PSCU Financial Services
    Inventors: Richard Howard LEDBETTER, Deborah Joy INGRAM, Suzanne Adrienne LaPROVA
  • METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS
    Publication number: 20090164354
    Abstract: Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.
    Type: Application
    Filed: January 14, 2009
    Publication date: June 25, 2009
    Applicant: PSCU Financial Services
    Inventors: Richard Howard Ledbetter, Deborah Joy Ingram, Suzanne Adrienne LaProva