Peter A Pridgeon

US Patent:

7325726, Feb 5, 2008

Filed:

May 11, 2005

Appl. No.:

11/128115

Inventors:

John K. McDonough - Boca Raton FL, US
Peter A. Pridgeon - Plantation FL, US
Keith Newbrough - Parker CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06K 5/00

US Classification:

235380, 235383, 235382, 235379

Abstract:

The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.

US Patent:

7418398, Aug 26, 2008

Filed:

May 10, 2006

Appl. No.:

11/433144

Inventors:

Kevin A. James - Waynesville NC, US
Peter A. Pridgeon - Plantation FL, US
David L. Cox - Parkland FL, US
Ryan G. Teixeria - Coral Springs FL, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06F 17/60

US Classification:

705 1, 705 39, 705 64, 705 67, 705 71, 705 74

Abstract:

A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.

US Patent:

7774209, Aug 10, 2010

Filed:

Jul 22, 2008

Appl. No.:

12/177719

Inventors:

Kevin A. James - Waynesville NC, US
Peter A. Pridgeon - Plantation FL, US
David L. Cox - Parkland FL, US
Ryan G. Teixeira - Coral Springs FL, US

Assignee:

First Data Corporation - Greenwood Village CO
The Western Union Company - Englewood CO

International Classification:

G06Q 10/00

US Classification:

705 1, 705 75

Abstract:

A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.

US Patent:

20030065624, Apr 3, 2003

Filed:

Oct 3, 2001

Appl. No.:

09/971303

Inventors:

Kevin James - Waynesville NC, US
Peter Pridgeon - Plantation FL, US
David Cox - Parkland FL, US
Ryan Teixeira - Coral Springs FL, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06F017/60

US Classification:

705/064000

Abstract:

A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value.

US Patent:

20040098326, May 20, 2004

Filed:

Nov 1, 2002

Appl. No.:

10/286006

Inventors:

Kevin James - Waynesville NC, US
David Baumgartner - Parker CO, US
Keith Newbrough - Parker CO, US
Peter Pridgeon - Plantation FL, US
Ryan Teixeira - Coral Springs FL, US
Danielle Cox - Parkland FL, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06F017/60

US Classification:

705/036000, 705/037000

Abstract:

A method for performing financial transactions in different currencies proceeds by entering an identifier of a presentation instrument into a point-of-sale device along with a redemption amount in a transaction currency that is different from the base currency that is associated with the presentation instrument. The identifier, the redemption amount and a transaction currency code are transmitted to a host computer system. In turn, the host computer system transmits back to the point-of-sale device a new balance in the base currency.

US Patent:

20080091545, Apr 17, 2008

Filed:

Dec 13, 2007

Appl. No.:

11/956250

Inventors:

Kenneth Jennings - Davie FL, US
John McDonough - Boca Raton FL, US
Peter Pridgeon - Plantation FL, US
Keith Newbrough - Parker CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00
G06Q 90/00

US Classification:

705018000

Abstract:

The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.