Jonathan T 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:

8626664, Jan 7, 2014

Filed:

Sep 28, 2012

Appl. No.:

13/631329

Inventors:

Robert Donald Reany - Stamford CT, 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:

G06Q 20/40

US Classification:

705 44, 705 21, 705 30, 705 39, 705 1414, 705500, 235380, 235385

Abstract:

A computer-based method for processing a payment transaction using an enhanced payment card is provided. The transaction is processed using a computer device coupled to a storage device. The enhanced payment card is issued to a cardholder by an issuer. The method includes receiving an authorization request message associated with a merchant. The authorization request message includes a card identifier and relating to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The method includes transmitting an authorization response message to the merchant. The authorization response message is generated by the issuer and including an instructing message. The merchant is instructed, via the instructing message, to transmit to the computer device an addendum file including enhanced transaction data for the transaction.

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.