Patents by Inventor Todd ZINO

Todd ZINO 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).

  • SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION
    Publication number: 20140136353
    Abstract: Systems and methods for enabling a user to use a single payment device in payment transactions for optimizing card rewards. Payment instruments such as credit cards, debit cards and stored value cards are associated to the user's payment device in an intermediate account. The user also provides prioritization information regarding the payment instruments. Using the prioritization information, an optimization engine then determines the optimal payment instrument for a transaction transmitted to the intermediate account.
    Type: Application
    Filed: July 15, 2013
    Publication date: May 15, 2014
    Inventors: Matthew Alexander GOLDMAN, Todd ZINO
  • SYSTEM AND METHOD FOR OPTIMIZING CARD USAGE IN A PAYMENT TRANSACTION
    Publication number: 20140136309
    Abstract: Systems and methods for enabling a user to use a single financial card in a payment transaction for optimizing card rewards are disclosed. A database having a plurality of payment instruments such as credit cards, debit cards and stored value cards associated to the user's provided single financial card is provided.
    Type: Application
    Filed: November 15, 2012
    Publication date: May 15, 2014
    Applicant: WALLABY FINANCIAL INC.
    Inventors: Matthew Alexander GOLDMAN, Todd ZINO