Nancy Kwon Kim

US Patent:

20220237649, Jul 28, 2022

Filed:

Apr 14, 2022

Appl. No.:

17/720339

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/38
G06Q 20/40
G06Q 20/42

Abstract:

A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

US Patent:

20180240143, Aug 23, 2018

Filed:

Apr 23, 2018

Appl. No.:

15/959751

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/42
G06Q 20/40
G06Q 20/38

Abstract:

A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

US Patent:

20150189966, Jul 9, 2015

Filed:

Jan 9, 2014

Appl. No.:

14/151723

Inventors:

Nancy Y. KIM - Glendale CA, US

International Classification:

A45D 19/14
A45D 20/28

Abstract:

An automatic hair cleansing apparatus include a chamber, water nozzles, a brush, drier nozzles, and an enclosing curtain. The chamber is for enclosing a portion of a head of user. The water nozzles are installed on the inner surface of the chamber. The brush is installed on the inner surface of the chamber. The drier nozzles are installed on the inner surface of the chamber. The enclosing curtain extends from the inner surface of the chamber, encloses a first portion of the head of the user including the hairs, and prevents water and soap bubbles from leaking to a second portion of the head of the user other than the first portion. Flows of water through the water nozzles, the liquid soap through the brush, and the warm air are controlled so as to soak, soap, wash, and dry the hairs of the user automatically.

US Patent:

20150149272, May 28, 2015

Filed:

Nov 25, 2014

Appl. No.:

14/553123

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/40

US Classification:

705 1433

Abstract:

A system and method configured to use an authorization messaging system for payment processing to communicate, in real time during authorization of a payment transaction, loyalty reward information, such as reward balance and conversion rate between a loyalty currency and a payment currency. For example, loyalty currency conversion rate is provided in real time via the authorization response that also provides the loyalty currency balance that is redeemable for the payment transaction. The system and method allows the conversion rate to be customized and/or personalized based on the identities of the user, the merchant and the loyalty program. Merchant may provide add-on offers for certain users.

US Patent:

20150120429, Apr 30, 2015

Filed:

Oct 24, 2014

Appl. No.:

14/523185

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 30/02
G06Q 20/40
G06Q 20/38

US Classification:

705 1433

Abstract:

A system includes a rule engine to determine details of loyalty reward currency redemption from one or more reward accounts as part of the processing of a payment transaction in a payment account of a user. The redemption details are determined based on user preferences and rules of the loyalty programs, and transmitted to the user during the authorization of the payment transaction. During the authorization and/or within a time window after the authorization, but before the settlement of the payment transaction, the user may provide a confirmation message that may accept, reject, or modify the redemption details. A transaction handler is configured to authorize and/or settle the payment transaction, as modified by the redemption details initially computed by the rule engine and subsequently confirmed, rejected or modified by the user via an optional confirmation message.

US Patent:

20150088626, Mar 26, 2015

Filed:

Sep 24, 2014

Appl. No.:

14/495107

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 30/02

US Classification:

705 1417

Abstract:

A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. The transaction handler may communicate with the sponsor processors in parallel or in sequence to reserve and release rewards, and may provide a partial authorization for the transaction in response to each authorization for reward redemption from a respective reward account without a subsequent, updated authorization request for the transaction in the payment account of the user.

US Patent:

20150088633, Mar 26, 2015

Filed:

Sep 24, 2014

Appl. No.:

14/494986

Inventors:

- San Francisco CA, US
James Alan VonDerheide - Pasadena CA, US
Laura DiGioacchino - San Mateo CA, US
Edward Scheidelman - Fairfax CA, US
Nancy L. Kim - San Francisco CA, US

International Classification:

G06Q 20/38
G06Q 20/22
G06Q 30/02

US Classification:

705 1433

Abstract:

A system including a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing a user of a payment account, into separate transactions with the issuer processor and one or more sponsor processors in control of reward accounts of the user for the redemption of loyalty rewards. User preferences and rules of the loyalty programs for the redemption of the loyalty rewards are stored to facilitate the determination of the redemption details in an automated way, such that the user (and/or the merchant) does not have to specify the redemption details. A portal may optionally notify the user of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant.

US Patent:

20140323927, Oct 30, 2014

Filed:

Apr 25, 2013

Appl. No.:

13/870219

Inventors:

Nancy Y. KIM - Los Angeles CA, US

International Classification:

A61H 15/02
A61H 15/00

US Classification:

601 19, 601 15

Abstract:

A device for skin care and massaging includes a main body, a galvanic current applier, a massager, a massaging pointing portion, and a massaging serially-protruding portion. The galvanic current applier is provided in the main body and configured for applying galvanic current from a first portion of skin of a user to a second portion of skin of the user, the galvanic current applier comprising a conductive surface disposed on the bottom portion of the main body. The massager is provided next to the galvanic current applier in the main body and configured for contacting and applying mechanical vibration onto a third portion of skin of the user, the massager comprising a substantially flat surface disposed on the bottom portion of the main body.