Patents by Inventor Zachary NUSBAUM

Zachary NUSBAUM 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).

  • Monitoring account usage to provide transaction retry notifications
    Patent number: 11900387
    Abstract: The disclosure herein describes providing transaction retry notifications to merchants based on monitored account usage. An insufficient funds message of a first transaction is received that indicates the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds for the first transaction. An account identifier of the account is stored and a transaction message of a second transaction associated with the account is detected based on the stored account identifier. The transaction message indicates that the account has sufficient funds for the second transaction. Based on detecting the transaction message, a transaction retry notification is sent to the merchant, whereby the merchant is notified that the account with which the first transaction is associated includes a quantity of funds. The disclosure enables merchants to optimize the timing or retrying failed transactions and thereby reduce costs associated with transaction retries.
    Type: Grant
    Filed: October 20, 2020
    Date of Patent: February 13, 2024
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Lisa-Marie Braun, Zachary Nusbaum
  • MONITORING ACCOUNT USAGE TO PROVIDE TRANSACTION RETRY NOTIFICATIONS
    Publication number: 20220122076
    Abstract: The disclosure herein describes providing transaction retry notifications to merchants based on monitored account usage. An insufficient funds message of a first transaction is received that indicates the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds for the first transaction. An account identifier of the account is stored and a transaction message of a second transaction associated with the account is detected based on the stored account identifier. The transaction message indicates that the account has sufficient funds for the second transaction. Based on detecting the transaction message, a transaction retry notification is sent to the merchant, whereby the merchant is notified that the account with which the first transaction is associated includes a quantity of funds. The disclosure enables merchants to optimize the timing or retrying failed transactions and thereby reduce costs associated with transaction retries.
    Type: Application
    Filed: October 20, 2020
    Publication date: April 21, 2022
    Inventors: Lisa-Marie BRAUN, Zachary NUSBAUM