Jonathan L Powell

US Patent:

7958052, Jun 7, 2011

Filed:

Oct 24, 2008

Appl. No.:

12/257766

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00
G06Q 20/00

US Classification:

705 44, 705 64

Abstract:

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

US Patent:

8086534, Dec 27, 2011

Filed:

Apr 26, 2011

Appl. No.:

13/094143

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00
G06Q 20/00

US Classification:

705 44, 705 64

Abstract:

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

US Patent:

8214293, Jul 3, 2012

Filed:

Dec 6, 2011

Appl. No.:

13/312472

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00
G06Q 20/00

US Classification:

705 44, 705 64

Abstract:

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

US Patent:

8355988, Jan 15, 2013

Filed:

Jun 18, 2012

Appl. No.:

13/526260

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 40/00
G06Q 20/00

US Classification:

705 44, 705 64

Abstract:

A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

US Patent:

20080005018, Jan 3, 2008

Filed:

Feb 2, 2007

Appl. No.:

11/670869

Inventors:

Jonathan Powell - Rye Brook NY, US

International Classification:

G06Q 40/00

US Classification:

705039000

Abstract:

Systems and methods for implementing customized issuer-merchant relationships or programs in the payment-by-card industry are provided. The systems and methods utilize the multi-party bankcard networks common in the industry for processing card transactions, but provide direct connectivity between issuers and merchants bypassing merchant acquirers for processing card transactions covered by the customized issuer-merchant relationships.

US Patent:

20090171777, Jul 2, 2009

Filed:

Dec 28, 2007

Appl. No.:

11/966724

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

International Classification:

G06Q 30/00

US Classification:

705 14

Abstract:

A method for applying promotion codes to a payment transaction is provided. The method uses at least one input device in communication with a database. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one merchant participating in the payment card network, each promotional program offered by the at least one merchant to the cardholder, and promotion codes associated with each promotional program offered to the cardholder. The method further includes accessing the promotion data using the at least one input device, receiving a selected promotional program from the cardholder using the at least one input device, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.

US Patent:

20090171778, Jul 2, 2009

Filed:

Dec 28, 2007

Appl. No.:

11/966803

Inventors:

Jonathan Robert Powell - Rye Brook NY, US

International Classification:

G06Q 30/00
G06Q 10/00

US Classification:

705 14, 705 30

Abstract:

A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder. The method further includes providing access to the promotion data through the at least one input device including each promotional program having a qualifying number of rewards points that is less than the current number of rewards points for the cardholder, receiving a selected promotional program from the cardholder, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.

US Patent:

20130185125, Jul 18, 2013

Filed:

Jan 14, 2013

Appl. No.:

13/740630

Inventors:

Mastercard International Incorporated - Purchase NY, US
Jonathan Robert Powell - Rye Brook NY, US
Andrea Christine Gilman - Chappaqua NY, US
John Doherty - Brooklyn NY, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06Q 30/02

US Classification:

705 1413

Abstract:

Methods and apparatus are disclosed for using a financial transaction card number system of a payment processing network as part of an overage management system. In an embodiment, a method receives an intelligent transaction card number used with a redemption code to purchase products or services contained in an offer, wherein the intelligent transaction card number indicates a total amount of a transaction and the total includes a value of the redeemed offer and an overage spent by the consumer in addition to the value of the redeemed offer. The method conducts post-clearing adjustments based on terms of the redeemed offer and generates instructions for corresponding credits or debits of funds. The method then receives instructions to: transfer funds from a first purse for the value of the redeemed offer and authorizes, clearing and settling the transferred funds; and to transfer funds from a second purse for the overage.