Patents by Inventor Bill Schwarz
Bill Schwarz has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 8788417Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: July 22, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8719161Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: May 6, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8666855Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: June 30, 2003Date of Patent: March 4, 2014Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8577801Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: November 5, 2013Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8438109Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 15, 2011Date of Patent: May 7, 2013Assignee: Plati Networking, LLCInventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8271384Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: November 18, 2011Date of Patent: September 18, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120101916Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 26, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120089512Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 12, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120089511Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 12, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120084209Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 15, 2011Publication date: April 5, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20120066123Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: November 18, 2011Publication date: March 15, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 8090655Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: February 3, 2011Date of Patent: January 3, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20110137798Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: February 3, 2011Publication date: June 9, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 7908215Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: GrantFiled: December 4, 2003Date of Patent: March 15, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Patent number: 6845906Abstract: A system and method is disclosed which enables a consumer to use a PIN biometric, merchant code or other indicia to conveniently instruct a financial institution to activate or access specific financial services or accounts during a particular time period or during a particular transaction. When making a purchase, the cardholder enters account information into a remote terminal such as a POS device, then the cardholder inputs a particular PIN or biometric which is communicated to the financial services provider. The provider interprets the PIN or biometric as an instruction to access or activate a particular service.Type: GrantFiled: December 24, 2003Date of Patent: January 25, 2005Assignee: American Express Travel Related Services Company, Inc.Inventors: Coby Royer, David Armes, Bill Schwarz
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Publication number: 20040267643Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: December 4, 2003Publication date: December 30, 2004Applicant: American Express Travel Related Services Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20040267662Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.Type: ApplicationFiled: June 30, 2003Publication date: December 30, 2004Applicant: American Express Travel Related Service Company, Inc.Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
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Publication number: 20040155101Abstract: A system and method is disclosed which enables a consumer to use a PIN biometric, merchant code or other indicia to conveniently instruct a financial institution to activate or access specific financial services or accounts during a particular time period or during a particular transaction. When making a purchase, the cardholder enters account information into a remote terminal such as a POS device, then the cardholder inputs a particular PIN or biometric which is communicated to the financial services provider. The provider interprets the PIN or biometric as an instruction to access or activate a particular service.Type: ApplicationFiled: December 24, 2003Publication date: August 12, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Coby Royer, David Armes, Bill Schwarz