Joseph J Hayes

US Patent:

RE296651, Jun 13, 1978

Filed:

Feb 24, 1977

Appl. No.:

5/771810

Inventors:

Frederick E. Gusmer - Mantoloking NJ
Carl W. Sundberg - Chatham NJ
Joseph E. Hayes - Woodland Park CO

Assignee:

Gusmer Corporation - Old Bridge NJ

International Classification:

B05B 1502

US Classification:

239112

Abstract:

Apparatus for ejecting a mixture of liquids, e. g. urethane foam, comprises a cylindrical chamber into which the liquids are separately introduced under pressure and mixed and ejected from the open end of the chamber. A reciprocable plunger alternately exposes the inlets in its rear portion and seals the inlets from each other and purges the chamber in its forward position. The inlets are axially spaced apart and separated from each other by a throat that has interference fit with the plunger in the forward position of the plunger, the plunger having for this purpose an elastic deformable surface.

US Patent:

20220284421, Sep 8, 2022

Filed:

Mar 2, 2021

Appl. No.:

17/189931

Inventors:

- Purchase NY, US
Joseph D. Hayes - Montclair NJ, US

International Classification:

G06Q 20/38
G06Q 20/34
G06Q 40/02
G06Q 20/10
G06Q 20/40
G06F 9/54

Abstract:

Through the described contactless payment technology with payment card network to open banking network conversion, the open banking network can be leveraged to bring acceptance for digitized bank account based contactless payments. A converter can receive, via a payment card API channel, a contactless payment message, which includes at least a consumer account number, an acquirer account number, and transaction information for a transaction. The converter can convert the contactless payment message to an open banking message by obtaining a unique B2B trust token corresponding to the consumer account number and creating the open banking message for an open banking API channel using at least the B2B trust token, the acquirer account number, and the transaction information. The converter can communicate, via the open banking API channel, the open banking message to a consumer bank system.

US Patent:

20210335484, Oct 28, 2021

Filed:

Apr 28, 2020

Appl. No.:

16/860728

Inventors:

- Purchase NY, US
Eugene REDA - Little Falls NJ, US
Joseph HAYES - Montclair NJ, US

International Classification:

G16H 40/20
G16H 10/60
G16H 20/10
G06Q 20/02
G06Q 30/02
G06Q 40/08
G06Q 10/10
G06Q 40/02
G06Q 20/40
G06F 3/0482

Abstract:

A computing device executing a payment application with prescription feature can initiate an optimized prescription fill request of a medical prescription via a payment network by at least transmitting user information including a name of a patient to a payment gateway such as a point of sale terminal or online payment gateway; receive pricing options for the medical prescription from a server supporting optimized prescription filling; obtain pharmacy information including names and/or addresses of at least one pharmacy that can fill the medical prescription; provide the pricing options for the medical prescription via a user interface; provide the pharmacy information via the user interface; receive a selection of a pharmacy of the at least one pharmacy and a payment indication; and transmit the selection of the pharmacy and the payment indication to the payment gateway.

US Patent:

20210264008, Aug 26, 2021

Filed:

Feb 26, 2020

Appl. No.:

16/802042

Inventors:

- Purchase NY, US
Eugene Reda - Little Falls NJ, US
Joseph Hayes - Montclair NJ, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

G06F 21/32
G02B 27/00
G06K 9/00

Abstract:

Systems, apparatuses and methods may provide for technology to identify image data, identify eye data from the image data, where the eye data includes one or more of an eye movement of a user or a point of gaze of the user on a display, and determine whether to authenticate the user based on the one or more of the eye movement or the point of gaze.

US Patent:

20210224788, Jul 22, 2021

Filed:

Jan 16, 2020

Appl. No.:

16/744613

Inventors:

- Purchase NY, US
Joseph HAYES - Montclair NJ, US
Eugene REDA - Little Falls NJ, US

International Classification:

G06Q 20/34
H04L 9/32
G06Q 20/38
G06F 21/62

Abstract:

System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.

US Patent:

20210209597, Jul 8, 2021

Filed:

Jan 7, 2020

Appl. No.:

16/736594

Inventors:

- Charlotte NC, US
Robert W. Johnston - Ramsey NJ, US
Vivek Vinayak Mehendale - College Grove TN, US
Jose Gilberto Guerra-Leal - Forney TX, US
Enjyi E. Hannans - Jacksonville FL, US
Coleen C. Morgan - Covington Township PA, US
Robert S. Hepler - Charlotte NC, US
Vanesa Mitrevski - LaGrange IL, US
Joseph L. Hayes - Charlotte NC, US

International Classification:

G06Q 20/40
G06Q 40/02
G06Q 50/26
G06F 16/23
G06F 16/22
G06F 16/245

Abstract:

A transaction processing system capable of processing transactions and implementing a flexible circuit breaker process during an event. A circuit breaker module initiates a circuit breaker event (CBE), an account identification module identifies one or more affected account IDs, and a rule generation module generates conditional rules for evaluating each transaction presented to a transaction processing module. If a transaction presented to the transaction processing module satisfies the conditional rule, the transaction is not processed. Transactions not processed are stored in memory and groups of impacted transactions are assigned to resource modules based on common characteristics. The resource module determines if impacted transactions should be allowed to process.

US Patent:

20210056555, Feb 25, 2021

Filed:

Jul 22, 2020

Appl. No.:

16/935794

Inventors:

- Purchase NY, US
Eugene Reda - Little Falls NJ, US
Joseph Hayes - Montclair NJ, US

International Classification:

G06Q 20/40
G06Q 20/32
G06F 21/31
G06F 21/35
B60W 40/08

Abstract:

Systems and methods are provided for authenticating users based on user vehicle profiles. On exemplary method includes capturing vehicle data for a user during a driving session of the user at a vehicle, where the vehicle data is associated with at least one of: a steering wheel, a turn signal, a seat, and an entertainment system of a vehicle. The method also includes, in response to a request to authenticate the user during the driving session, comparing the vehicle data captured during the driving session to a user vehicle profile associated with an identified user stored in a memory and emitting, via wireless network adapter, a token associated with the user vehicle profile, during the driving session, in response to the vehicle data captured during the driving session substantially matching the user vehicle profile, thereby indicating authentication of the user as the identified user.

US Patent:

20210014218, Jan 14, 2021

Filed:

Jul 8, 2019

Appl. No.:

16/505325

Inventors:

- Purchase NY, US
Joseph Hayes - Montclair NJ, US
Eugene Reda - Little Falls NJ, US

International Classification:

H04L 29/06
G06F 21/60
H04L 9/08

Abstract:

Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.