Patents by Inventor Tracy L. Wilk
Tracy L. Wilk 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: 9665862Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: April 18, 2012Date of Patent: May 30, 2017Assignee: Visa International Service AssociationInventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Patent number: 9665863Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: April 18, 2012Date of Patent: May 30, 2017Assignee: Visa International Service AssociationInventors: Paul Matsuda, Sara E. Perry, Tracy L. Wilk
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Patent number: 8473353Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: September 28, 2010Date of Patent: June 25, 2013Inventors: Paul Matsuda, Sara E. Perry, Tracy L. Wilk
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Publication number: 20120203653Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: April 18, 2012Publication date: August 9, 2012Inventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20120203699Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: April 18, 2012Publication date: August 9, 2012Inventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20120203652Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: April 18, 2012Publication date: August 9, 2012Inventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20120203654Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: April 18, 2012Publication date: August 9, 2012Inventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20110087528Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: September 28, 2010Publication date: April 14, 2011Inventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Patent number: 7921038Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: August 12, 2008Date of Patent: April 5, 2011Assignee: Visa International Service AssociationInventors: Paul Matsuda, Sarah E. Perry, Tracy L. Wilk
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Patent number: 7499886Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: May 5, 2003Date of Patent: March 3, 2009Assignee: Visa International Service AssociationInventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20090037304Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: August 12, 2008Publication date: February 5, 2009Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Patent number: 7451114Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: GrantFiled: July 14, 1999Date of Patent: November 11, 2008Assignee: Visa International Service AssociationInventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk
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Publication number: 20030195843Abstract: Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.Type: ApplicationFiled: May 5, 2003Publication date: October 16, 2003Applicant: Visa International Service AssociationInventors: Paul J. Matsuda, Sarah E. Perry, Tracy L. Wilk