Jeffrey M Schachter

US Patent:

20080040261, Feb 14, 2008

Filed:

Apr 23, 2007

Appl. No.:

11/739012

Inventors:

Robert Nix - Concord MA, US
Peter Masters - Arlington MA, US
Jeffrey Schachter - Littleton MA, US
Theodore Schwartz - Stow MA, US
Ben Lee - Hudson MA, US

International Classification:

G06Q 40/00
G06Q 20/00

US Classification:

705039000, 705016000

Abstract:

A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.

US Patent:

20100299195, Nov 25, 2010

Filed:

Jan 21, 2010

Appl. No.:

12/691330

Inventors:

Robert Nix - Concord MA, US
Peter Masters - Arlington MA, US
Jeffrey Schachter - Littleton MA, US
Theodore Schwartz - Stow MA, US
Ben Lee - Hudson MA, US

International Classification:

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

US Classification:

705 1417, 705 16, 235380, 705 39, 705 17, 705 44

Abstract:

A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.

US Patent:

20120185312, Jul 19, 2012

Filed:

Oct 11, 2011

Appl. No.:

13/271072

Inventors:

Robert Nix - Concord MA, US
Peter Masters - Arlingon MA, US
Jeffrey Schachter - Littleton MA, US
Theodore Schwartz - Stow MA, US
Ben Lee - Hudson MA, US

Assignee:

Heartland Payment Systems, Inc. - Princeton NJ

International Classification:

G06Q 20/20
G06Q 20/38
G06Q 30/02

US Classification:

705 1417, 705 16, 705 39

Abstract:

A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.

US Patent:

20130266127, Oct 10, 2013

Filed:

Apr 10, 2012

Appl. No.:

13/443726

Inventors:

Jeffrey Schachter - Littleton MA, US
Keith David Levin - Jamaica Plain MA, US

Assignee:

Raytheon BBN Technologies Corp - Cambridge MA

International Classification:

H04M 1/64

US Classification:

379 8801

Abstract:

Systems and methods for, among other things, removing sensitive data from an recording. The method, in certain embodiments, includes receiving an audio recording of a call and a text transcription of the audio recording, identifying events which occur during the call by detecting characteristic audio patterns in the audio recording and selected keywords and phrases in the text transcription, determining, from the identified events, a first event which precedes sensitive data in the call and a second event which occurs after sensitive data in the call, determining a portion of the call containing sensitive data with a start time at the first event and an end time at the second event, and removing the portion of the call between the start time and end time from the audio recording.

US Patent:

20060149671, Jul 6, 2006

Filed:

Jun 27, 2005

Appl. No.:

11/169075

Inventors:

Robert Nix - Concord MA, US
Alek Mesarovich - Brookline MA, US
Theodore Schwartz - Stow MA, US
Jeffrey Schachter - Littleton MA, US
Peter Masters - Arlington MA, US
Jason Mondanaro - Chelmsford MA, US
Ronald Rivest - Arlington MA, US
Silvio Micali - Brookline MA, US
Prasad Jonnalagadda - Acton MA, US

International Classification:

G06Q 40/00

US Classification:

705040000

Abstract:

A payment processing system includes one transaction processor that aggregates cost data associated with low-priced sales transactions between a consumer and a merchant. The transaction processor sends data that represents the aggregated cost data to an acquiring banking entity associated with the merchant. The system also includes another transaction processor that stores data that represents each individual low-priced sales transaction. The stored data is accessible by one or more banking entities associated with the merchant.

US Patent:

20170017942, Jan 19, 2017

Filed:

Jul 21, 2016

Appl. No.:

15/216453

Inventors:

- Princeton NJ, US
Peter Masters - Arlington MA, US
Jeffrey Schachter - Littleton MA, US
Theodore Schwartz - Stow MA, US
Ben Lee - Hudson MA, US

International Classification:

G06Q 20/20
G06Q 30/02
G06Q 20/38

Abstract:

A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.