Lynn M Kemper

US Patent:

7427021, Sep 23, 2008

Filed:

May 11, 2007

Appl. No.:

11/747659

Inventors:

Lynn Kemper - San Carlos CA, US
Akshey Shawn Vij - Mountain View CA, US
Robin O'Connell - San Francisco CA, US

Assignee:

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

International Classification:

G06K 5/00

US Classification:

235380, 235375, 235487, 705 44

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

US Patent:

7958030, Jun 7, 2011

Filed:

Aug 31, 2005

Appl. No.:

11/217691

Inventors:

Lynn Kemper - Portland OR, US
Barbara Patterson - South San Francisco CA, US
Kimberly Lawrence - San Mateo CA, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 40

Abstract:

Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

US Patent:

8255327, Aug 28, 2012

Filed:

Apr 25, 2011

Appl. No.:

13/093660

Inventors:

Lynn Kemper - Portland OR, US
Barbara Patterson - South San Francisco CA, US
Kimberly Lawrence - San Mateo CA, US

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

US Patent:

20030172040, Sep 11, 2003

Filed:

Mar 5, 2002

Appl. No.:

10/093002

Inventors:

Lynn Kemper - San Carlos CA, US
Akshey Vij - Mountain View CA, US
Robin O'Connell - San Francisco CA, US

Assignee:

Visa U.S.A. - San Mateo CA

International Classification:

G06F017/60
H04K001/00
H04L009/00

US Classification:

705/075000

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

US Patent:

20080228648, Sep 18, 2008

Filed:

May 28, 2008

Appl. No.:

12/128513

Inventors:

Lynn KEMPER - San Carlos CA, US
Akshey Shawn Vij - Mountain View CA, US
Robin O'Connell - San Francisco CA, US

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

US Patent:

20080235136, Sep 25, 2008

Filed:

May 29, 2008

Appl. No.:

12/129217

Inventors:

Lynn Kemper - San Carlos CA, US
Akshey Shawn Vij - Mountain View CA, US
Robin O'Connell - San Francisco CA, US

International Classification:

G06Q 20/00

US Classification:

705 44

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

US Patent:

20080265018, Oct 30, 2008

Filed:

May 30, 2008

Appl. No.:

12/130143

Inventors:

Lynn KEMPER - San Carlos CA, US
Akshey Shawn VIJ - Mountain View CA, US
Robin O'CONNELL - San Francisco CA, US

International Classification:

G06Q 40/00
G06K 5/00

US Classification:

235379, 235380

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.

US Patent:

20110010296, Jan 13, 2011

Filed:

Sep 9, 2010

Appl. No.:

12/878877

Inventors:

Lynn Kemper - San Carlos CA, US
Akshey "Shawn" Vij - Mountain View CA, US
Robin O'Connell - San Francisco CA, US

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged.