Laura B Long

US Patent:

20230018754, Jan 19, 2023

Filed:

Sep 19, 2022

Appl. No.:

17/947239

Inventors:

- San Francisco CA, US
Steven David Cracknell - San Mateo CA, US
Laura Angevine Long - San Mateo CA, US
Michele Lauren Banks Larsen - Ellicott City MD, US
Mary Taylor - San Francisco CA, US

International Classification:

G06Q 20/20

Abstract:

Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.

US Patent:

20230013648, Jan 19, 2023

Filed:

Sep 26, 2022

Appl. No.:

17/953244

Inventors:

- San Francisco CA, US
Laura A. Long - San Mateo CA, US
Michael Mori - San Mateo CA, US
Rajat Das - San Mateo CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 20/36
H04L 9/40

Abstract:

Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

US Patent:

20210097516, Apr 1, 2021

Filed:

Apr 12, 2017

Appl. No.:

16/603726

Inventors:

- San Francisco CA, US
Steven David Cracknell - San Mateo CA, US
Laura Angevine Long - San Mateo CA, US
Michele Lauren Banks Larsen - Ellicott City MD, US
Mary Taylor - San Francisco CA, US

International Classification:

G06Q 20/20

Abstract:

Systems, methods, and apparatuses for implementing, managing, controlling, or otherwise processing customer recurrence data for transactions, such as a transaction between a customer and a resource provider, e.g., a merchant.

US Patent:

20190102833, Apr 4, 2019

Filed:

Sep 27, 2018

Appl. No.:

16/143785

Inventors:

Laura Long - San Mateo CA, US
Michele Larsen - Ellicott City MD, US
Patricia Torres - Oshawa, CA
Malini Dutta - Foster City CA, US

International Classification:

G06Q 40/02
G06Q 30/02
G06Q 20/40
G06Q 20/28

Abstract:

Embodiments of the disclosure are directed to a system in which a transaction may automatically be subjected to a variable interchange rate based on the entities involve in the transaction. In some embodiments, a target criteria document may be received from a resource provider or an authorization entity. The target criteria may include a variable rate which is particular to two specific entities. The variable rate is then stored at a processing network in relation to the two entities. Upon receiving a request to complete a transaction that involves the two entities, the processing network may automatically adjust an amount of the transaction based on the stored variable rate.

US Patent:

20170228723, Aug 10, 2017

Filed:

Feb 9, 2016

Appl. No.:

15/019842

Inventors:

Mary Taylor - San Francisco CA, US
Laura A. Long - Foster City CA, US
Michael Mori - San Mateo CA, US
Rajat Das - Foster City CA, US

International Classification:

G06Q 20/36
H04L 29/06

Abstract:

Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

US Patent:

20150120418, Apr 30, 2015

Filed:

Oct 28, 2014

Appl. No.:

14/525729

Inventors:

- San Francisco CA, US
Mary Theresa Taylor - San Francisco CA, US
Renee Yvonne Lutzen - Omaha NE, US
Laura A. Long - San Mateo CA, US

International Classification:

G06Q 30/02
G06Q 20/40
G06Q 20/20

US Classification:

705 1423

Abstract:

A system includes a POS terminal configured to store a list of products/items eligible for rewards and/or discounts, check items purchased by a user via a transaction against the list to identify items eligible for rewards and/or discounts, aggregate the eligible items according to reward/discount categories, and provide information about the eligible items aggregated according to the categories in an authorization request for the transaction in a payment account of the user. The system further includes a transaction handler receiving the authorization request that contains the information aggregated according to the categories, and provide rewards and/or discounts to the transaction during the authorization and/or settlement of the transaction.