Kimberly A Turner

US Patent:

20170091745, Mar 30, 2017

Filed:

Sep 30, 2015

Appl. No.:

14/871355

Inventors:

- Charlotte NC, US
Phillip W. Mork - Huntersville NC, US
Kimberly C. Turner - Sicklerville NJ, US

International Classification:

G06Q 20/20
G06Q 20/40

Abstract:

Embodiments of the invention are directed to systems, methods, and computer program products for tokenization and token selection associated with wearable device transactions. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; receive an indication from the user to execute a transaction; determine that the user continues to remain in possession of the wearable device; and complete execution of the transaction; initiate execution of the transaction using the first token received from the user; determine a second token based on at least the transaction information and the one or more limits associated with the second token; swapping the first token with the second token; and execute the transaction using one or more financial institution accounts of the user associated with the second token.

US Patent:

20170061414, Mar 2, 2017

Filed:

Sep 1, 2015

Appl. No.:

14/842791

Inventors:

- Charlotte NC, US
Phillip Mork - Huntersville NC, US
Kimberly Turner - Sicklerville NJ, US

International Classification:

G06Q 20/20
G06Q 20/38
H04W 4/02
G06Q 20/40

Abstract:

Embodiments of the invention are directed to systems, methods, and computer program products for authenticating the use of a wearable device to execute a transaction. The system is configured to receive an indication that a user is in possession of the wearable device; authenticate the wearable device; transmit a pointer associated with the token to a global merchant device; receive an indication from the user to execute a transaction with at least one of the one or more local merchant devices; retrieve information identifying the token; transmit a first notification associated with the transaction to the global merchant device; determine a match between the wearable device and the pointer associated with the token; determine that the user continues to remain in possession of the wearable device; and complete execution of the transaction.

US Patent:

20160352700, Dec 1, 2016

Filed:

May 26, 2016

Appl. No.:

15/165433

Inventors:

- Charlotte NC, US
Kathryn Elizabeth Guthrie - Charlotte NC, US
Tracey Mochnal - Scotch Plains NJ, US
Kimberly Craig Turner - Sicklerville NJ, US

International Classification:

H04L 29/06
H04L 29/08
G06F 17/30
H04L 12/58

Abstract:

Aspects of the present disclosure are directed to electronic data transfer methods and systems for multiple recipient destination processing. A plurality of computer readable memory locations in a computer readable database associated with a first entity computer system is maintained. Electronically, via a computer-based data communications network, an instruction is received for electronic data transfer EDI data payload including a stored value data attribute, and data transfer request attribute, and a first recipient destination and a second recipient destination; wherein the first recipient destination and the second recipient destination are associated with different recipient virtual memory locations. Responsive to the data transfer request attribute request being extracted, EDI data payload associated with the stored value data attribute to the first recipient destination and the second recipient destination is transmitted.