Michelle R Winters

US Patent:

8550359, Oct 8, 2013

Filed:

Mar 22, 2012

Appl. No.:

13/427468

Inventors:

Michelle Winters - Belmont CA, US

International Classification:

G06K 19/00
G06K 5/00
G06F 17/00

US Classification:

235487, 235375, 235380

Abstract:

A method for receiving and presenting user-generated designs and sets of terms for portable consumer devices. The method provides for allowing a first person to create a customized design for a portable consumer device, and share the design with other consumers via a host site. Similarly, the method provides for allowing a first person to create and share a customized set of terms for the portable consumer device. Methods for receiving and distributing feedback for customized designs and sets of terms are included.

US Patent:

8600855, Dec 3, 2013

Filed:

Jul 27, 2010

Appl. No.:

12/844694

Inventors:

Michelle Winters - Belmont CA, US
Kevin Siegel - Milpitas CA, US
Charles Byce - Mill Valley CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 35, 705 27

Abstract:

Systems and methods are presented for determining risk levels for consumer-to-consumer (C2C) transactions on brokering websites. The risk levels can be based on payment processing network (e. g. Visa) account data as well as external data, such as geo-location using IP addresses, fraud bureau data, and star ratings. The buying and selling consumers can have multiple risk scores for each transaction, such as a fraud, credit, return/chargeback, dissatisfaction, product misuse, nonreturnable, and defect risk scores. The buying and selling consumers can trade their risk levels before proceeding with the transaction.

US Patent:

8606630, Dec 10, 2013

Filed:

Aug 30, 2011

Appl. No.:

13/221750

Inventors:

Michelle Eng Winters - Belmont CA, US
Kevin Paul Siegel - Milpitas CA, US
Leigh Amaro - Redwood City CA, US
Charles Raymond Byce - Mill Valley CA, US
Nurtekin Savas - San Jose CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 30/00

US Classification:

705 141

Abstract:

In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

US Patent:

8626579, Jan 7, 2014

Filed:

Aug 30, 2011

Appl. No.:

13/221632

Inventors:

Michelle Eng Winters - Belmont CA, US
Kevin Paul Siegel - Milpitas CA, US
Leigh Amaro - Redwood City CA, US
Charles Raymond Byce - Mill Valley CA, US
Nurtekin Savas - San Jose CA, US
Peter Ciurea - Martinez CA, US
James Alan VonDerheide - La Canada CA, US
Diane C. Salmon - Lafayette CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 30/00

US Classification:

705 141

Abstract:

In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

US Patent:

8626705, Jan 7, 2014

Filed:

Jul 8, 2010

Appl. No.:

12/832699

Inventors:

Melyssa Barrett - Tracy CA, US
Michelle Winters - Belmont CA, US
Leigh Amaro - Redwood City CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06F 7/00
G06F 17/00

US Classification:

707603

Abstract:

Systems and methods for determining aggregated transaction level data for specific group characteristics are provided. Aggregated transaction level data can be used for target marketing campaigns by looking at past and potential spending habits of populations with group characteristics specified in the transaction data aggregates. The aggregates can also be used to measure the effectiveness of a particular marketing campaign by correlating the spending patters of a particular group with sales resulting from the campaign.

US Patent:

8639567, Jan 28, 2014

Filed:

Mar 17, 2011

Appl. No.:

13/050796

Inventors:

Michelle Eng Winters - Belmont CA, US

Assignee:

Visa U.S.A. Inc. - San Francisco CA

International Classification:

G06Q 30/00

US Classification:

705 141

Abstract:

In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store data recording the transactions, and at least one processor coupled with the data warehouse and configured to identify a first set of customers who made first transactions correlated with an advertisement, identify a second set of customers not in the first set of customers, and determine a difference between a first pattern in a first set of transactions of the first set of customers and a second pattern in a second set of transactions of the second set of customers.

US Patent:

20080172326, Jul 17, 2008

Filed:

Jan 17, 2007

Appl. No.:

11/654928

Inventors:

Michelle Winters - Belmont CA, US

International Classification:

G06Q 99/00
G06Q 40/00
G06Q 20/00

US Classification:

705 38, 705 1, 705 35, 705 39

Abstract:

A method for receiving and presenting user-generated designs and sets of terms for portable consumer devices. The method provides for allowing a first person to create a customized design for a portable consumer device, and share the design with other consumers via a host site. Similarly, the method provides for allowing a first person to create and share a customized set of terms for the portable consumer device. Methods for receiving and distributing feedback for customized designs and sets of terms are included.

US Patent:

20100036769, Feb 11, 2010

Filed:

Aug 5, 2008

Appl. No.:

12/186369

Inventors:

Michelle E. Winters - Belmont CA, US
Lubna Samad - Foster City CA, US
Laura DiGioacchino - San Mateo CA, US

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39

Abstract:

Account holder identification is used to access and retrieve the account holder's accounts and attributes thereof. A user interface receives a selected account for which merchants having conducted transactions on the selected account are retrieved and displayed on the user interface. The account holder selects which merchants are to receive updated attributes of the selected account, such as a new expiration, a new billing address, a new credit limit, a name change of the account holder, etc. Each user selected merchant is notified of the user selected attributes of the user selected account