Jonathan Michael Powell

US Patent:

8285592, Oct 9, 2012

Filed:

Dec 15, 2009

Appl. No.:

12/638775

Inventors:

Brad Michael Tomchek - St. Charles MO, US
Robert Donald Reany - Wildwood MO, US
Michael William Koch - Sandy Hook CT, US
Edward Cletus Seaver - Sandy Hook CT, US
Jonathan Robert Powell - Rye Brook NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06G 1/12

US Classification:

705 21, 705 39, 705 30, 705 44, 705500, 235380, 235385

Abstract:

A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.

US Patent:

20230095285, Mar 30, 2023

Filed:

Sep 23, 2022

Appl. No.:

17/951520

Inventors:

- Purchase NY, US
Douglas C. Whiteside - O'Fallon MO, US
Jonathan Robert Powell - San Juan Capistrano CA, US
Ken Miura - Aurora, CA
Qing Cao - Purchase NY, US

International Classification:

G06Q 20/40
G06Q 20/38

Abstract:

Systems and methods are provided for resolving biometric mismatches in connection with biometric interactions performed based on the biometric mismatches. One example computer-implemented method includes receiving a biometric mismatch alert from a first party for a biometric interaction, where the biometric mismatch alert includes a credential and a reason code, and identifying a biometric provider based on a requestor ID for the biometric interaction. The method also includes transmitting the biometric mismatch alert to the identified biometric provider and determining, based on a response to the biometric mismatch alert and at least one rule, whether to impose an offset on the biometric provider for the biometric interaction. The method then includes compiling and transmitting a reply to the biometric mismatch alert to the first party, wherein the reply indicates the offset being imposed, whereby the first party initiates an offset interaction to recoup an amount of the biometric interaction.