Patents by Inventor Thomas Joseph Sellner
Thomas Joseph Sellner 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: 11055673Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: GrantFiled: November 30, 2018Date of Patent: July 6, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Bruce William Mac Nair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Korosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
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Publication number: 20190095878Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: ApplicationFiled: November 30, 2018Publication date: March 28, 2019Inventors: Bruce William Mac Nair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Korosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
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Patent number: 10147074Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: GrantFiled: December 23, 2013Date of Patent: December 4, 2018Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Bruce William MacNair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Kiorosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
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Patent number: 8738493Abstract: A solution to resolve ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data.Type: GrantFiled: June 3, 2013Date of Patent: May 27, 2014Assignee: MasterCard International IncorporatedInventors: Kimberly Ann Martin, Richard Thomas Flynn, Gary Randall Horn, David Anthony Fink, Thomas Joseph Sellner
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Publication number: 20140114848Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: ApplicationFiled: December 23, 2013Publication date: April 24, 2014Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Bruce William Mac Nair, Ana Paula Martinez Prada Peyser, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Kiorosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
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Patent number: 8620806Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: GrantFiled: July 13, 2012Date of Patent: December 31, 2013Assignee: MasterCard International IncorporatedInventors: Ana Paula Martinez Prada Peyser, Bruce William Mac Nair, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Korosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner
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Publication number: 20130262313Abstract: A solution to resolve ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data.Type: ApplicationFiled: June 3, 2013Publication date: October 3, 2013Inventors: Kimberly Ann Martin, Richard Thomas Flynn, Gary Randall Horn, David Anthony Fink, Thomas Joseph Sellner
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Patent number: 8458071Abstract: A solution to disambiguate ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a hierarchical second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data.Type: GrantFiled: July 13, 2012Date of Patent: June 4, 2013Assignee: MasterCard International IncorporatedInventors: Kimberly Ann Martin, Richard Thomas Flynn, Gary Randall Horn, David Anthony Fink, Thomas Joseph Sellner
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Publication number: 20130060696Abstract: A solution to disambiguate ambiguous merchant data in connection with processing a cashless transaction request in a real-time manner. Provided according to the present disclosure are a system and method including a binary-searchable non-transitory computer-readable medium is configure to store a first set of unambiguous merchant identification data having plural data entries therein, each entry corresponding to a merchant. A binary search of the first set of unambiguous merchant identification data is carried out using search keys based upon the ambiguous merchant identification data to determine whether one or more entries of the first set satisfies at least one of a hierarchical second set of partial match criteria for comparing the ambiguous merchant identification data with the first set of unambiguous merchant identification data.Type: ApplicationFiled: July 13, 2012Publication date: March 7, 2013Applicant: MASTERCARD INTERNATIONAL, INC.Inventors: Kimberly Ann Martin, Richard Thomas Flynn, Gary Randall Horn, David Anthony Fink, Thomas Joseph Sellner
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Publication number: 20130018781Abstract: A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.Type: ApplicationFiled: July 13, 2012Publication date: January 17, 2013Applicant: MASTERCARD INTERNATIONAL, INC.Inventors: Ana Paula Martinez Prada Peyser, Bruce William Mac Nair, Cristobel Kay von Walstrom, Gary Randall Horn, Jason Alexander Korosec, Kimberly Ann Martin, Peter Julian Ramon Antonio R. Flor, Raegen Ann-Marie Lang, Richard Thomas Flynn, Todd C. Lowenberg, Thomas Joseph Sellner