Patents by Inventor Traci Engle

Traci Engle 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).

  • Publication number: 20220198451
    Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.
    Type: Application
    Filed: March 11, 2022
    Publication date: June 23, 2022
    Inventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
  • Patent number: 11301852
    Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.
    Type: Grant
    Filed: November 3, 2015
    Date of Patent: April 12, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
  • Publication number: 20160125405
    Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.
    Type: Application
    Filed: November 3, 2015
    Publication date: May 5, 2016
    Inventors: Amy Alterman, Jeffrey Sachs, Denise Raper, Paul Spaeth, Aashish Bhargava, Traci Engle, Sameer Govila, Lisa Doherty, David Richey
  • Patent number: 8768802
    Abstract: A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.
    Type: Grant
    Filed: December 3, 2009
    Date of Patent: July 1, 2014
    Assignee: Visa U.S.A. Inc.
    Inventors: Traci Engle, Bryan Carroll
  • Publication number: 20130006820
    Abstract: A system is provided for determining the quality of merchant supplied enhanced data related to financial transactions performed by holders of financial presentation devices such as credit cards. The system includes a memory storing a plurality of enhanced transaction data (ETD) records and quality check criteria for determining the quality of enhanced data contained in the ETD records. A quality determination module determines a quality of the stored ETD records based on the stored quality check criteria.
    Type: Application
    Filed: September 6, 2012
    Publication date: January 3, 2013
    Inventors: Traci Engle, Amr Alghussain
  • Patent number: 8285610
    Abstract: A system is provided for determining the quality of merchant supplied enhanced data related to financial transactions performed by holders of financial presentation devices such as credit cards. The system includes a memory storing a plurality of enhanced transaction data (ETD) records and quality check criteria for determining the quality of enhanced data contained in the ETD records. A quality determination module determines a quality of the stored ETD records based on the stored quality check criteria.
    Type: Grant
    Filed: March 26, 2009
    Date of Patent: October 9, 2012
    Assignee: Visa U.S.A. Inc.
    Inventors: Traci Engle, Amr Alghussain
  • Publication number: 20110137928
    Abstract: A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.
    Type: Application
    Filed: December 3, 2009
    Publication date: June 9, 2011
    Inventors: Traci Engle, Bryan Carroll
  • Publication number: 20090248550
    Abstract: A system is provided for determining the quality of merchant supplied enhanced data related to financial transactions performed by holders of financial presentation devices such as credit cards. The system includes a memory storing a plurality of enhanced transaction data (ETD) records and quality check criteria for determining the quality of enhanced data contained in the ETD records. A quality determination module determines a quality of the stored ETD records based on the stored quality check criteria.
    Type: Application
    Filed: March 26, 2009
    Publication date: October 1, 2009
    Inventors: Traci Engle, Amr Alghussain