Kyle E Clark

20210295316, Sep 23, 2021

Jun 7, 2021

17/341041

- Purchase NY, US
Kyle Patrick Clark - High Ridge MO, US

G06Q 20/38
G06Q 20/02
G06Q 20/40
G06F 21/31

A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account.

20200143410, May 7, 2020

Jan 2, 2020

16/732765

- Purchase NY, US
Kyle P. CLARK - High Ridge MO, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 30/02
G06Q 20/08
G06Q 20/24
G06Q 20/38
G06Q 20/40
G06Q 20/14

A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.

20180137530, May 17, 2018

Nov 15, 2016

15/352084

- Purchase NY, US
Kyle P. Clark - High Ridge MO, US
Jason Hilliard Goodgold - Wildwood MO, US

G06Q 30/02
G06Q 20/22
G06Q 20/10

Systems and methods are provided for facilitating payment account transactions, through selection of particular payment accounts for use in the transactions based on incentives associated with the payment accounts. One exemplary method includes receiving an authorization request for a transaction, where the authorization request includes a virtual card number (VCN) for a virtual wallet used in the transaction, and a parameter of the transaction. The method also includes selecting a payment account, from multiple payment accounts in the virtual wallet, based on an incentive associated with the payment account and the parameter, and replacing the VCN in the authorization request with a primary account number (PAN) for the selected payment account. The method then further includes routing the authorization request, with the appended PAN, to an issuer associated with the selected payment account so that the transaction may be subjected to the incentive associated with the payment account.

20180122024, May 3, 2018

Nov 1, 2016

15/340798

- Purchase NY, US
Kyle P. Clark - High Ridge MO, US

G06Q 50/14
G06Q 30/02

Systems and methods are provided for use in identifying offers for consumers based on transit conditions. One exemplary method includes in response to a transit condition, accessing, by a computing device, a consumer profile for a consumer associated with the transit condition and an offer data structure having multiple offers relating to discounted purchase transactions, where each of the multiple offers are associated with a merchant. The method also includes selecting, by the computing device, at least one of the multiple offers, from the offer data structure, based on the transit condition and the consumer profile, and then issuing, by the computing device, the selected at least one offer to the consumer, at a communication device associated with the consumer, thereby permitting the consumer to redeem the selected at least one offer at the merchant associated with the at least one offer.

20170337585, Nov 23, 2017

May 17, 2016

15/156700

- Purchase NY, US
Travis M. Carpenter - Glencoe MO, US
Kyle P. Clark - High Ridge MO, US

G06Q 30/02
H04W 4/12

Systems and methods are provided for directing advertising content to advertising media specific to one or more consumers proximate the advertising media. An example method includes receiving, by a computing device, a media proximity message (MPM) associated with an advertising medium. The method also includes accessing, by the computing device, location context for the advertising medium from an advertising media data structure, based on an advertising medium identifier in the MPM, and accessing a consumer profile for the consumer, based on a consumer identifier in the MPM, from a consumer profiles data structure. The method further includes selecting, by the computing device, an advertising content, from an advertising content data structure, based on at least the consumer profile and the location context, and causing the selected advertising content to be displayed at the advertising medium.

20170293926, Oct 12, 2017

Apr 6, 2016

15/091659

- Purchase NY, US
Kyle Patrick CLARK - High Ridge MO, US

MasterCard International Incorporated - Purchase NY

G06Q 30/02
G06Q 20/38

A method for generating a controlled payment number using reward value is described. The method includes receiving a redemption request including a specific account identifier and a reward amount; validating a reward balance included in a specific account; generating a controlled payment number request that includes at least the specific account identifier and a currency amount based on the reward amount; electronically transmitting the generated controlled payment number to a computing device to generate a controlled payment number.

20170293927, Oct 12, 2017

Apr 6, 2016

15/091638

- Purchase NY, US
Kyle Patrick CLARK - High Ridge MO, US

MasterCard International Incorporated - Purchase NY

G06Q 30/02
G06F 17/30
G06Q 20/40

A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.

20170293932, Oct 12, 2017

Apr 6, 2016

15/091720

- Purchase NY, US
Kyle Patrick CLARK - High Ridge MO, US

MasterCard International Incorporated - Purchase NY

G06Q 30/02
H04L 29/08
G06Q 20/10

A method for real-time processing of a rebate is described. The method includes receiving a transaction message that includes a primary account number, a transaction amount, and a transaction identifier; receiving a rebate request including the transaction identifier; identifying a financial institution associated with a transaction account corresponding to the primary account number, generating a data message including a rebate request; and electronically transmitting the data message.