Claudia Karina Richter

US Patent:

20120271765, Oct 25, 2012

Filed:

Apr 19, 2012

Appl. No.:

13/451437

Inventors:

Karen Cervenka - Belmont CA, US
Marla Bischoff - Menlo Park CA, US
Manish Nath Pathak - Los Gatos CA, US
Claudia Richter - San Francisco CA, US

International Classification:

G06Q 20/40
G06Q 20/10
G06Q 20/30

US Classification:

705 44

Abstract:

A system and method are disclosed for routing optimization. A gateway processing service receives a first ordered list of payment processing networks associated with a first condition. The first ordered list comprises a higher priority payment processing network and a lower priority payment processing network. A second ordered list received by the gateway processing service comprises a higher priority payment processing network and a lower priority payment processing network. An authorization request message for a transaction is received by the gateway processing service. If the first condition is satisfied, the gateway processing service routes the authorization request message according to the first ordered list. If the first condition is not satisfied, the gateway processing service routes the authorization request message according to the second ordered list.

US Patent:

20130323652, Dec 5, 2013

Filed:

Jun 5, 2012

Appl. No.:

13/489099

Inventors:

Andres Fernandez - San Francisco CA, US
Shaunak Roy - Sunnyvale CA, US
Jay Shafto - Mountain View CA, US
Norman L. Burns - Sunnyvale CA, US
Claudia Richter - Sunnyvale CA, US
Pierre F. Indermuhle - Berkeley CA, US

Assignee:

Complete Genomics, Inc. - Mountain View CA

International Classification:

G03F 7/20
B05D 1/00

US Classification:

430324, 42725528, 427255394

Abstract:

Methods of preparing organosilane-functionalized regions on a substrate surface and more specifically fabricating patterned functionalized substrates suitable to be optically read, the methods generally comprising employing a vapor deposition process of an organosilane gas onto a lithographically patterned silicon surface followed by removal of the patterning media in a bath of organic solvents and ultrasonic excitation. The inventive methods provide optimized surface density of functional species while avoiding deleterious effects that can occur when lithographically patterned substrates are exposed to various gaseous species during the functionalization process.

US Patent:

20110087546, Apr 14, 2011

Filed:

Sep 7, 2010

Appl. No.:

12/876868

Inventors:

Michelle Eng Winters - Belmont CA, US
Leigh Amaro - Redwood City CA, US
Nurtekin Savas - San Jose CA, US
Claudia Richter - San Francisco CA, US
Ryan Bradford Jolley - San Mateo CA, US
Ryan Hagey - Alameda CA, US
James Alan VonDerheide - La Canada CA, US
Andrew Clyne - Fall City WA, US

Assignee:

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

International Classification:

G06Q 40/00
G06Q 30/00
G06Q 20/00

US Classification:

705 1453, 705 39

Abstract:

In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.