Patents by Inventor Vicki L. James
Vicki L. James 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).
-
Patent number: 11861611Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: October 17, 2022Date of Patent: January 2, 2024Assignee: FIDELITY INFORMATION SERVICES, LLCInventors: Vicki L. James, Jeffrey Jay Erdmann
-
Publication number: 20230043614Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant’s point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer’s final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: October 17, 2022Publication date: February 9, 2023Inventors: Vicki L. JAMES, Jeffrey Jay ERDMANN
-
Patent number: 11507951Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: March 8, 2021Date of Patent: November 22, 2022Assignee: Fidelity Information Services, LLCInventors: Vicki L. James, Jeffrey Jay Erdmann
-
Publication number: 20210192513Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: March 8, 2021Publication date: June 24, 2021Inventors: Vicki L. JAMES, Jeffrey Jay ERDMANN
-
Patent number: 10963874Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: April 1, 2020Date of Patent: March 30, 2021Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
-
Publication number: 20200234298Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: April 1, 2020Publication date: July 23, 2020Inventors: Vicki L. JAMES, Jeffrey Jay ERDMANN
-
Patent number: 10671999Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: March 6, 2019Date of Patent: June 2, 2020Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
-
Publication number: 20190205876Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: March 6, 2019Publication date: July 4, 2019Applicant: METAVANTE CORPORATIONInventors: Vicki L. JAMES, Jeffrey Jay ERDMANN
-
Patent number: 10248951Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: GrantFiled: December 29, 2008Date of Patent: April 2, 2019Assignee: METAVANTE CORPORATIONInventors: Vicki L. James, Jeffrey Jay Erdmann
-
Patent number: 9083700Abstract: Systems and methods according to the present invention provide a proactive approach to controlling access to information that may be correlated with a governmentally issued personal identifier. Included are systems and methods for proactive control of information access and liability incursion. Further included are systems and methods for emulating information access to an authorized person. Generally, a method according to the present invention includes the steps of requesting verification from a subscriber at any time that information is requested from registered information holders and any time that liability may be incurred through registered information holders. In this way, the subscriber, rather than reacting to invasive information or identity theft, may proactively control access to such information, thereby preventing the theft in the first place.Type: GrantFiled: November 26, 2013Date of Patent: July 14, 2015Inventor: Vicki L. James
-
Publication number: 20140082712Abstract: Systems and methods according to the present invention provide a proactive approach to controlling access to information that may be correlated with a governmentally issued personal identifier. Included are systems and methods for proactive control of information access and liability incursion. Further included are systems and methods for emulating information access to an authorized person. Generally, a method according to the present invention includes the steps of requesting verification from a subscriber at any time that information is requested from registered information holders and any time that liability may be incurred through registered information holders. In this way, the subscriber, rather than reacting to invasive information or identity theft, may proactively control access to such information, thereby preventing the theft in the first place.Type: ApplicationFiled: November 26, 2013Publication date: March 20, 2014Inventor: Vicki L. James
-
Patent number: 8621641Abstract: Systems and methods according to the present invention provide a proactive approach to controlling access to information that may be correlated with a governmentally issued personal identifier. Included are systems and methods for proactive control of information access and liability incursion. Further included are systems and methods for emulating information access to an authorized person. Generally, a method according to the present invention includes the steps of requesting verification from a subscriber at any time that information is requested from registered information holders and any time that liability may be incurred through registered information holders. In this way, the subscriber, rather than reacting to invasive information or identity theft, may proactively control access to such information, thereby preventing the theft in the first place.Type: GrantFiled: February 29, 2008Date of Patent: December 31, 2013Inventors: Michael D. Carow, Vicki L. James
-
Publication number: 20090222897Abstract: Systems and methods according to the present invention provide a proactive approach to controlling access to information that may be correlated with a governmentally issued personal identifier. Included are systems and methods for proactive control of information access and liability incursion. Further included are systems and methods for emulating information access to an authorized person. Generally, a method according to the present invention includes the steps of requesting verification from a subscriber at any time that information is requested from registered information holders and any time that liability may be incurred through registered information holders. In this way, the subscriber, rather than reacting to invasive information or identity theft, may proactively control access to such information, thereby preventing the theft in the first place.Type: ApplicationFiled: February 29, 2008Publication date: September 3, 2009Inventors: Michael D. Carow, Vicki L. James
-
Publication number: 20090106115Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.Type: ApplicationFiled: December 29, 2008Publication date: April 23, 2009Inventors: Vicki L. James, Jeffrey Jay Erdmann
-
Publication number: 20070288313Abstract: A method wherein a consumer registers for an electronic coupon (e-coupon) program and receives an e-coupon card programmed with consumer and corresponding e-coupon account identification information. The consumer selects available coupons from a website which are then loaded into the e-coupon account. Consumer package goods manufacturers (CPGs) are charged the downloaded value of the coupon plus a fee. The consumer may use the e-coupon card at any retailer that has electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. At a retailer's point of sale (POS) terminal, the consumer swipes the card and the cost of items having an e-coupon is adjusted by the corresponding e-coupon value and deducted from the consumer's final amount due. The CPG is also charged a redemption fee and the retailer is charged an interchange fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs.Type: ApplicationFiled: April 27, 2007Publication date: December 13, 2007Inventors: Mark Brodson, Vicki L. James, Jeffrey Jay Erdmann