Patricia M Preston

US Patent:

8332288, Dec 11, 2012

Filed:

Aug 31, 2011

Appl. No.:

13/222171

Inventors:

Patricia Preston - New York NY, US
Janet L. Bernacki - St. Peters MO, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G07B 17/00
G07F 19/00
G06Q 40/00

US Classification:

705 30, 705 35

Abstract:

Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.

US Patent:

20100153242, Jun 17, 2010

Filed:

Dec 17, 2008

Appl. No.:

12/337176

Inventors:

Patricia Preston - New York NY, US
Janet L. Bernacki - St. Peters MO, US

Assignee:

MasterCard International, Inc. - Purchase NY

International Classification:

G06Q 40/00
G06Q 10/00

US Classification:

705 30, 705 35

Abstract:

Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.

US Patent:

20120215688, Aug 23, 2012

Filed:

Feb 23, 2012

Appl. No.:

13/403866

Inventors:

Paul Musser - Pilot Hill CA, US
Patricia Preston - New York NY, US
Richard Rozbicki - Danbury CT, US
Julie Delker - Wentzville MO, US
Dennis J. Hill - St. Paul MO, US

Assignee:

MASTERCARD INTERNATIONAL, INC. - Purchase NY

International Classification:

G06Q 20/14

US Classification:

705 40

Abstract:

A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.

US Patent:

20150081536, Mar 19, 2015

Filed:

Jun 6, 2014

Appl. No.:

14/298535

Inventors:

- Purchase NY, US
Patricia Preston - New York NY, US
Richard Rozbicki - Danbury CT, US
Julie Delker - Wentzville MO, US
Dennis J. Hill - St. Paul MO, US

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

International Classification:

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

US Classification:

705 40

Abstract:

A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction.