Daniel Scott Poswolsky

20100174596, Jul 8, 2010

Mar 19, 2010

12/727512

Andrea Gilman - Chappaqua NY, US
Daniel Poswolsky - Plainview NY, US
James J. Anderson - Mount Vernon NY, US

G06Q 30/00
G06F 15/16

705 1423, 705 1436, 709206

Rewards systems, methods, means and computer program code are provided which include a transaction processing system, receiving a transaction authorization request message generated from a point of interaction, the transaction authorization request message including a purchase amount, and a customer account identifier, the transaction processing system generating an authorization response message for transmission to the point of interaction. The rewards systems further include a messaging system, in communication with the transaction processing system, generating a rewards message for transmission to a mobile device associated with the customer account identifier, the rewards message including details of a status associated with a reward transaction.

20110231233, Sep 22, 2011

Mar 19, 2010

12/727333

Marianne Iannace - North Salem NY, US
Daniel Poswolsky - Plainview NY, US
Raffaella C. Stuart - Granite Springs NY, US
Andrea Gilman - Chappaqua NY, US

G06Q 30/00
G01C 21/00
G06Q 10/00

705 1413, 701300, 705 1425

According to some embodiments, a proximity-sensitivity score is determined for each of a plurality of merchants. The proximity-sensitivity scores may indicate, for example, a likelihood that potential offers from the merchants would be accepted by customers based on distances between customer locations and merchant locations. An indication of a customer's current location may be received, and a selection engine may automatically select for a customer, in substantially real time, at least one selected offer from a plurality of potential offers based at least in part on proximity-sensitivity scores and the customer's current location. Data associated with the selected offer may then be transmitted, via a wireless communication network, to a mobile device associated with the customer.

20100057553, Mar 4, 2010

Sep 4, 2009

12/554623

Michael Ameiss - O Fallon MO, US
Scott A. Reynolds - Darien CT, US
Chris Suppa - Katonah NY, US
Daniel Scott Poswolsky - Plainview NY, US
Patrick E. Regan - Newark DE, US

G06Q 30/00

705 1432

A method and system for performing a redemption transaction by leveraging a payment network provides a way to conduct redemption transaction without requiring changes to merchant or acquirer infrastructure. The cardholder initiates a transaction using a redemption card. An intermediary receives the transaction data, determines whether the loyalty points account associated with the redemption card has sufficient points to cover the transaction, and initiates a secondary payment transaction against a secondary payment account. Alternatively, these functions may be performed by the issuer.

20210224767, Jul 22, 2021

Apr 6, 2021

17/223477

- New York NY, US
Daniel Scott Poswolsky - Plainview NY, US
Janice Mathews - New York NY, US
Beverly Kennedy - Wilmington DE, US

G06Q 20/12
G06Q 20/22
G06Q 20/40
G06Q 20/36

Systems and methods for facilitating payments are disclosed. In one embodiment, a method for facilitating a transaction may include (1) a customer selects a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; and (3) the financial institution associating a unique identifier for the customer's merchant account with the customer's financial institution account. In another embodiment, a method for facilitating a transaction may include (1) a customer selecting a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; (3) the financial institution provisioning a merchant-specific identifier for the merchant; and (4) the financial institution providing the merchant-specific token to the merchant.

20190197563, Jun 27, 2019

Mar 4, 2019

16/291192

- Purchase NY, US
Daniel Poswolsky - Plainview NY, US
Raffaella C. Stuart - Granite Springs NY, US
Andrea Gilman - Chappaqua NY, US

G06Q 30/02
H04L 29/08

A method for providing merchant offers to customer mobile devices. In some embodiments, an offer engine determines, on a periodic basis for each of a plurality of merchants, a proximity-sensitivity score that indicates a likelihood that potential offers from the merchants would be accepted by customers. The process includes the offer engine receiving, from a mobile device of a customer, an indication of a customer's current location, then receiving customer transaction data in substantially real time and adjusting the proximity-sensitivity scores of the merchants based on the customer transaction data. The offer engine then automatically selects at least two offers from a plurality of potential offers based on the adjusted proximity-sensitivity scores for the customer, and transmits, to the mobile device associated with the customer, data associated with the at least two selected offers for display on a display screen of the customer's mobile device.