Steven S Jonas, 73105 Washington Ave, Port Jefferson, NY 11777

2010008, Apr 8, 2010

Oct 7, 2009

12/574822

Anant Nambiar - Larchmont NY, US
James Carrington - Larchmont NY, US
Denise Torreyson - Elmsford NY, US
Steven J. Jonas - Westport CT, US

G06Q 20/00
G06K 5/00
G06Q 10/00
G06Q 30/00

705 30, 235380, 705400, 705 44

A method includes receiving transaction data associated with a payment transaction. The transaction data includes a payment account identifier. The payment account identifier identifies a payment account. The method further includes obtaining a spending history associated with the payment account identified by the payment account identifier. The spending history reflects a total amount of spending transactions charged to the payment account during a period of time. The method also includes providing an indication of the spending history to an acquirer.

2011030, Dec 8, 2011

Jun 3, 2011

13/152858

Brigette White - Cortland Manor NY, US
Denise Torreyson - Elmsford NY, US
Steven J. Jonas - Westport CT, US

G06Q 20/00

705 39

Systems, methods, apparatus, computer program code, and means for processing transactions are provided which include receiving transaction data associated with a payment transaction, said transaction data including a payment account identifier, the payment account identifier identifying a payment account, determining a value score associated with the payment account identifier, determining, based on the value score, an interchange tier associated with the payment account identifier, and providing an indication of the interchange tier to a clearing and settlement process involving the payment account identifier.

2019018, Jun 20, 2019

Feb 26, 2019

16/285666

- Purchase NY, US
Steven Joel JONAS - Westport CT, US
Matthew ALCURI - Ridgefield CT, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 40/00

A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data.

2017036, Dec 21, 2017

Aug 15, 2017

15/677350

- Purchase NY, US
James Carrington - Larchmont NY, US
Denise Torreyson - Elmsford NY, US
Steven J. Jonas - Westport CT, US

G06K 15/02

Methods and systems for dynamically determining interchange fees. In an embodiment, an acquirer computer transmits a payment card account authorization request to a payment processing network, and receives an authorization response authorizing the transaction and comprising a spending history indication reflecting a compilation of spending history data of a group of payment card accounts that qualify for dynamic interchange rate setting. The acquirer computer then stores the spending history indication, transmits the authorization response to a merchant processing system computer, receives a clearing file from the merchant processing system computer, determines that an interchange rate depends on the spending history indication, selects an interchange rate from an interchange rate selection database based on the spending history indication, calculates an interchange fee based on the interchange rate, and transmits the clearing file and the interchange fee to the payment network for clearing of the transaction.

2016007, Mar 17, 2016

Sep 15, 2014

14/486351

- Purchase NY, US
Steven Joel Jonas - Westport CT, US
Matthew Alcuri - Ridgefield CT, US

MasterCard International Incorporated - Purchase NY

G06Q 40/00

A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data.

2016003, Feb 4, 2016

Jul 31, 2015

14/815199

- Purchase NY, US
Steven Joel JONAS - Westport CT, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 20/14
G06Q 10/10
G06F 17/30
G06Q 20/40

A method for imposing fees on a merchant includes: storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to a merchant in violation of a rule or regulation including at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific merchant identifier associated with a merchant involved in the payment transaction and a transaction amount; identifying, in the merchant database, a specific merchant profile where the included merchant identifier corresponds to the specific merchant identifier; processing, by a processing device, the payment transaction for the transaction amount; processing, by the processing device, a second payment transaction for the imposition of fees on the merchant involved in the payment transaction; and processing, by the processing device, a third payment transaction for revocation of the transaction amount.

2016001, Jan 14, 2016

Jul 14, 2014

14/330480

- New York NY, US
Steven Joel JONAS - Westport CT, US

G06Q 20/40

A method for identifying a level of authentication includes: storing a plurality of authentication processes, each tool being associated with transaction characteristics; storing a plurality of account profiles, each profile including account data and an account identifier; receiving an authorization request for a payment transaction, the request including transaction data and a specific account identifier; identifying at least two eligible authentication processes based on the transaction characteristics for the respective tool and the transaction data; identifying a specific account profile that includes the specific account identifier; estimating a profitability value of the transaction based on the transaction data; estimating an account purchase elasticity value based on the account data included in the identified specific account profile; and selecting one or more authentication processes of the identified at least two eligible authentication processes based on the estimated profitability and account purchase elasticity values.

2015022, Aug 6, 2015

Apr 17, 2015

14/689905

- Purchase NY, US
Denise Torreyson - Elmsford NY, US
Steven J. Jonas - Westport CT, US

G06Q 40/02
G06Q 20/34

Methods, systems and computer readable media for determining an interchange tier to apply to individual payment card accounts. In an embodiment, a payment card system operator computer establishes scoring rules and at least two interchange tiers to associate with payment card accounts, transmits the scoring rules to at least one issuer, receives payment card account data, and scores each of the plurality of individual payment card accounts, and scores each of the payment card accounts according to the scoring rules. The process also includes assigning an interchange tier to each of the plurality of individual payment card accounts in accordance with the scoring, and storing information indicating the interchange tier associated with each of the plurality of individual payment card accounts for use during purchase transactions in a tier and scoring database.