Barbara E Patterson

US Patent:

7937324, May 3, 2011

Filed:

Sep 5, 2008

Appl. No.:

12/205069

Inventors:

Barbara Patterson - South San Francisco CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 38

Abstract:

A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

US Patent:

7958030, Jun 7, 2011

Filed:

Aug 31, 2005

Appl. No.:

11/217691

Inventors:

Lynn Kemper - Portland OR, US
Barbara Patterson - South San Francisco CA, US
Kimberly Lawrence - San Mateo CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 35, 705 40

Abstract:

Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

US Patent:

7970705, Jun 28, 2011

Filed:

Oct 29, 2009

Appl. No.:

12/608215

Inventors:

Barbara Patterson - South San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35, 705 39, 705 40

Abstract:

Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.

US Patent:

7987138, Jul 26, 2011

Filed:

Nov 9, 2009

Appl. No.:

12/615007

Inventors:

Barbara Patterson - South San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35, 705 39, 705 40

Abstract:

Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.

US Patent:

8019685, Sep 13, 2011

Filed:

Sep 28, 2009

Appl. No.:

12/568484

Inventors:

Barbara Elizabeth Patterson - South San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 20/00
G06Q 40/00
G06F 15/16

US Classification:

705 44, 705 16, 705 17, 705 39, 705 42, 705 43, 705 64, 705 65, 705 67, 705 70, 705 75, 705 76, 709203, 709219

Abstract:

A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.

US Patent:

8095464, Jan 10, 2012

Filed:

May 12, 2010

Appl. No.:

12/778841

Inventors:

Barbara Patterson - South San Francisco CA, US
Donald L. Rowberry - San Mateo CA, US

Assignee:

Vista International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44, 705 35, 705 39, 705 40

Abstract:

Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e. g. text message, email), and when to receive alerts (e. g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration.

US Patent:

8103588, Jan 24, 2012

Filed:

Sep 29, 2009

Appl. No.:

12/569675

Inventors:

Barbara Elizabeth Patterson - South San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00
G06Q 20/00
G06F 15/16

US Classification:

705 44, 705 16, 705 17, 705 39, 705 42, 705 43, 705 64, 705 65, 705 67, 705 70, 705 75, 705 76, 709203, 709219

Abstract:

A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter.

US Patent:

8190523, May 29, 2012

Filed:

Mar 25, 2011

Appl. No.:

13/072436

Inventors:

Barbara Patterson - South San Francisco CA, US

Assignee:

VISA U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 38

Abstract:

A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.