Jennifer L Schulz, Age 4944W635 Cochise Dr, Lily Lake, IL 60151

2012030, Nov 29, 2012

Feb 3, 2012

13/366083

Edward Katzin - Hillsborough CA, US
Phillip L. Kumnick - Phoenix AZ, US
Theodore David Harris - San Francisco CA, US
Patrick Faith - Pleasanton CA, US
Jennifer A. Schulz - Pacific Palisades CA, US

G06Q 30/00
G06Q 30/02
G06Q 20/40
G06Q 20/20
G06Q 20/36

705 144, 705 11, 705 16, 705 41, 705 44

The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

2010007, Mar 18, 2010

Mar 27, 2009

12/412361

MARY PAT MCMAHON - ORINDA CA, US
JENNIFER SCHULZ - SANTA MONICA CA, US

VISA USA, INC. - SAN FRANCISCO CA

G06Q 30/00
G06Q 40/00
G06Q 10/00

705 143, 705 35, 705 30, 235380

A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.

2019024, Aug 8, 2019

Feb 12, 2019

16/273976

- San Francisco CA, US
Julian Hua - San Francisco CA, US
Gregory Kenneth Storey - Lilli Pilli, AU
Michael Mori - San Mateo CA, US
Abhinav Shrivastava - Redmond WA, US
Amit Bhargava - San Jose CA, US
Andrew Beck - San Francisco CA, US
Ayman Hammad - Pleasanton CA, US
Ben Pfisterer - Northcote, AU
Diane Salmon - Lafayette CA, US
Igor Karpenko - Sunnyvale CA, US
Jennifer Schulz - Pacific Palisades CA, US
Miroslav Gavrilov - Santa Clara CA, US
Peter Ciurea - Orinda CA, US
Patrick Faith - Pleasanton CA, US
Phillip Kumnick - Phoenix AZ, US
Saurav Chatterjee - Foster City CA, US
Sebastian Badea - Sunnyvale CA, US
Shaw Li - San Francisco CA, US
Shipra Jha - Fremont CA, US
Stacy Pourfallah - San Ramon CA, US
Susan French - Foster City CA, US
Tenni Theurer - San Jose CA, US
Theodore Harris - San Francisco CA, US
Thomas Purves - San Francisco CA, US
Vanita Pandey - Foster City CA, US
Victoria Graham - Centennial CO, US
Prakash Hariramani - San Francisco CA, US

G06Q 20/36
G06Q 30/00
G06Q 30/06
G06Q 20/32
G06Q 20/20
G07F 7/08

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

2019008, Mar 14, 2019

Nov 13, 2018

16/189792

Edward Katzin - Hillsborough CA, US
Phillip L. Kumnick - Phoenix AZ, US
Theodore David Harris - San Francisco CA, US
Patrick Faith - Pleasanton CA, US
Jennifer A. Schulz - Pacific Palisades CA, US

G06Q 20/20
G06Q 20/40
G06Q 20/02
G06Q 20/12

The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

2014033, Nov 13, 2014

Feb 22, 2012

13/520481

Edward Katzin - San Francisco CA, US
Julian Hua - San Francisco CA, US
Gregory Kenneth Storey - Lilli Pilli, AU
Michael Mori - San Mateo CA, US
Abhinav Shrivastava - Redmond WA, US
Amit Bhargava - San Jose CA, US
Andrew Beck - San Francisco CA, US
Ayman Hammad - Pleasanton CA, US
Ben Pfisterer - Northcote, AU
Diane Salmon - Lafayette CA, US
Igor Karpenko - Sunnyvale CA, US
Jennifer Schulz - Pacific Palisades CA, US
Miroslav Gavrilov - Santa Clara CA, US
Peter Ciurea - Orinda CA, US
Patrick Faith - Pleasanton CA, US
Phillip Kumnick - Phoenix AZ, US
Saurav Chatterjee - Foster City CA, US
Sebastian Badea - Sunnyvale CA, US
Shaw Li - San Francisco CA, US
Shipra Jha - Fremont CA, US
Stacy Pourfallah - San Ramon CA, US
Susan French - Foster City CA, US
Tenni Theurer - San Jose CA, US
Theodore Harris - San Francisco CA, US
Thomas Purves - San Francisco CA, US
Vanita Pandey - Foster City CA, US
Victoria Graham - Centennial CO, US
Prakash Hariramani - San Francisco CA, US

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

G06Q 20/36
G06Q 20/32
G06Q 30/06

705 2662

The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.