Barbara M Patterson

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:

8255327, Aug 28, 2012

Filed:

Apr 25, 2011

Appl. No.:

13/093660

Inventors:

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

International Classification:

G06Q 40/00

US Classification:

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:

8290865, Oct 16, 2012

Filed:

Oct 12, 2009

Appl. No.:

12/577609

Inventors:

Kimberly Lawrence - Foster City CA, US
Barbara Patterson - South San Francisco CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 30, 705 35, 705 39

Abstract:

Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.

US Patent:

8313021, Nov 20, 2012

Filed:

Feb 4, 2008

Appl. No.:

12/025267

Inventors:

Shaun Bodington - San Leandro CA, US
Barbara Elizabeth Patterson - South San Francisco CA, US
Gregory Charles Trifiletti - San Francisco CA, US

Assignee:

Visa U.S.A. - San Francisco CA

International Classification:

G06K 5/00

US Classification:

235380, 235379, 235492, 235490, 235493

Abstract:

A system for managing enhancement features assigned to financial presentation devices such as credit cards. The system includes an accounts database and a feature management module. The accounts database stores account holder data containing assigned enhancement features for associated credit cards. The feature management module is capable of updating and managing the assigned features of an individual credit card independently of other cards so as to provide enhancement features that can be customized for each individual cardholder.

US Patent:

20070055630, Mar 8, 2007

Filed:

Apr 5, 2006

Appl. No.:

11/398887

Inventors:

Patrick Gauthier - Mountain View CA, US
Brian Maw - Belmont CA, US
Patrick Faith - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

Assignee:

Visa U.S.A. - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705044000

Abstract:

A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

US Patent:

20080217397, Sep 11, 2008

Filed:

Mar 8, 2007

Appl. No.:

11/683866

Inventors:

Lori Degliantoni - San Carlos CA, US
Barbara Patterson - South San Francisco CA, US
David Chauncey Shepard - Novato CA, US

International Classification:

G06K 5/00

US Classification:

235380

Abstract:

The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.

US Patent:

20120136796, May 31, 2012

Filed:

Sep 20, 2011

Appl. No.:

13/237840

Inventors:

Ayman Hammad - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

International Classification:

G06Q 20/40

US Classification:

705 67

Abstract:

Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

US Patent:

20120143768, Jun 7, 2012

Filed:

Feb 21, 2012

Appl. No.:

13/401121

Inventors:

Ayman Hammad - Pleasanton CA, US
Barbara Patterson - South San Francisco CA, US

International Classification:

G06Q 20/32

US Classification:

705 67

Abstract:

Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a phone at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the phone whereby the phone is thereafter used to conduct payment transactions.