Rebecca S Newman

US Patent:

20210406923, Dec 30, 2021

Filed:

Jun 30, 2020

Appl. No.:

16/917633

Inventors:

- San Jose CA, US
Nakul Gupta - Chicago IL, US
Christopher McFall - Brooklyn NY, US
Rebecca Sloan Newman - Brooklyn NY, US

International Classification:

G06Q 30/02
G06Q 20/34

Abstract:

There are provided systems and methods for automatic determination of card data based on network category codes. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a physical payment card. An online transaction processor may receive information from processing of the payment card over an electronic card network so that the online transaction processor may determine data for the payment card. The data may be determined over a time period, which may be dynamically adjusted based on additional data for the user, time period, and/or payment card. The data is further identified and determined based on network category codes for different transaction data when processed over the electronic network. Thereafter, categories of data may be selected to provide benefits back to the user's account or payment card.

US Patent:

20200097928, Mar 26, 2020

Filed:

Sep 20, 2019

Appl. No.:

16/576982

Inventors:

- New York NY, US
Rebecca Sloan NEWMAN - Brooklyn NY, US
Anum AFZAAL - Brooklyn NY, US
Joe HUSSEY - Tampa FL, US
Amy M. LESLIE - Ann Arbor MI, US

International Classification:

G06Q 20/08
G06Q 20/36
G06Q 20/02

Abstract:

Systems and methods for conducting account tokenized transactions are disclosed. In one embodiment, a method may include: receiving a third-party identifier, login credentials for a user, and an identification of a user account to tokenize from a trusted party; generating a token for the user account and associating the token with the user account and the third-party identifier; providing the token, a token-specific routing number, and the third-party identifier to the trusted party; receiving, from the third party's financial institution, a transaction comprising the token, the token-specific routing number, and the third-party identifier; identifying the transaction as involving a tokenized account based on the token-specific routing number; verifying that the third-party identifier received from the third party's financial institution matches the third-party identifier associated with the token; identifying the account associated with the token; posting the transaction to the account; and settling the transaction with the third party.