Patents by Inventor Carlyn M. Lowery

Carlyn M. Lowery 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).

  • Computerized payment system for purchasing goods and services on the internet
    Patent number: 5757917
    Abstract: A method and system for use on a quasi-public network, such as the Internet, to enable users of the network to conduct commercial transactions involving a payment of funds by one user to another user of the network. The method includes operating a computer system for sending and receiving messages from users over the network. Upon receiving a message over the network from a qualified user-seller, a message is sent over the network to the user-buyer that was identified in the message from the user-seller. The message to the user-buyer requests confirmation of a transaction identified in the message received from the user-seller. Upon receiving a confirmation over the network from the user-buyer, payment information is sent by secure channels off the network to an agent of the user-seller. The user-seller's agent may be a separate entity or the function of the user-seller's agent may be performed by the transaction enabling system.
    Type: Grant
    Filed: November 1, 1995
    Date of Patent: May 26, 1998
    Assignee: First Virtual Holdings Incorporated
    Inventors: Marshall T. Rose, Lee H. Stein, Nathaniel S. Borenstein, Carlyn M. Lowery, Darren New, Einar Stefferud