Patents by Inventor Theresa Ann Erickson

Theresa Ann Erickson 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 reward calculation and disbursement
    Patent number: 9846888
    Abstract: Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates.
    Type: Grant
    Filed: August 25, 2014
    Date of Patent: December 19, 2017
    Assignee: MasterCard International Incorporated
    Inventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana
  • METHOD AND APPARATUS FOR REWARD CALCULATION AND DISBURSEMENT
    Publication number: 20140365289
    Abstract: Methods and systems for receiving purchase transaction data and identifying the purchase transactions that qualify for customer rebates. In an embodiment, a transaction clearing computer of a payment processing network receives the purchase transaction data from a plurality of acquirer financial institutions. A rewards system computer of the payment processing network identifies individual purchase transactions that qualify for customer rebates pursuant to rewards programs and based on the purchase transaction data, and then initiates crediting of rebate amounts from acquirer financial institutions to payment card accounts of cardholders at issuer financial institutions. The rewards system computer also initiates charging of the rebate amounts to merchant accounts of merchants associated with the individual purchase transactions that qualified for customer rebates.
    Type: Application
    Filed: August 25, 2014
    Publication date: December 11, 2014
    Inventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana
  • METHOD AND APPARATUS FOR REWARD CALCULATION AND DISBURSEMENT
    Publication number: 20080255940
    Abstract: A method includes receiving data that represents purchase transactions received from acquirer financial institutions. The method further includes identifying, from the received data, purchase transactions that qualify for customer rebates. The method further includes transmitting rebate data to certain ones of the acquirer financial institutions. The rebate data identifies the purchase transactions that qualify for customer rebates.
    Type: Application
    Filed: December 19, 2007
    Publication date: October 16, 2008
    Inventors: Bruno D. Perreault, Christopher P. Aguas, Jay A. Coisman, Brigette A. White, Theresa Ann Erickson, James E. Pastrana