Patents by Inventor Joan T. Waltman
Joan T. Waltman 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: 9734495Abstract: Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.Type: GrantFiled: May 28, 2010Date of Patent: August 15, 2017Assignee: QUALCOMM IncorporatedInventors: Gregory Gordon Rose, Craig B. Lauer, Joan T. Waltman
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Patent number: 8914302Abstract: The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.Type: GrantFiled: May 15, 2012Date of Patent: December 16, 2014Assignee: QUALCOMM IncorporatedInventors: Gregory G. Rose, Craig B. Lauer, Alexander Gantman, Joan T. Waltman
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Patent number: 8875995Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: June 14, 2013Date of Patent: November 4, 2014Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Patent number: 8783560Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: June 14, 2013Date of Patent: July 22, 2014Assignee: Qualcomm IncorporatedInventor: Joan T. Waltman
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Publication number: 20140156296Abstract: A method of measuring a user's adherence to a medication schedule is described. The method includes the steps of tracking the time between medication doses, alerting the user when it is time to take a medication dose, tracking the elapsed time between the alert and when the user takes the medication dose, and comparing the elapsed time to a scoring metric to calculate a score, wherein the score is representative of the user's adherence to the medication schedule. An automated system for measuring a user's adherence to a medication schedule is also described. The system includes a computing device that executes a software application that includes a tracking mechanism that alerts the user when a next medication dose is to be taken and tracks the amount of elapsed time from the alert to the time that the user takes the medication dose, and a scoring mechanism that compares the amount of elapsed time to a scoring metric to determine a medication adherence score.Type: ApplicationFiled: December 4, 2013Publication date: June 5, 2014Applicant: 12th MAN TECHNOLOGIES, INC.Inventors: Alex Stenzler, Steve Han, Joan T. Waltman
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Publication number: 20130282574Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: June 14, 2013Publication date: October 24, 2013Inventor: Joan T. Waltman
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Publication number: 20130282584Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: June 14, 2013Publication date: October 24, 2013Inventor: Joan T. Waltman
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Patent number: 8485434Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: January 17, 2012Date of Patent: July 16, 2013Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Publication number: 20130018780Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: January 17, 2012Publication date: January 17, 2013Applicant: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Publication number: 20130013433Abstract: The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.Type: ApplicationFiled: September 13, 2012Publication date: January 10, 2013Applicant: QUALCOMM INCORPORATEDInventors: Gregory Gordon Rose, Craig Lauer, Alexander Gantman, Joan T. Waltman
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Patent number: 8276811Abstract: A virtual cash system, method, and apparatus for establishing account records containing a record of money amounts associated with a wireless device and a security code comprising a code portion to verify a deposit of money. Cash transfers between account records may be subject to restrictions associated with the cash amounts. Cash amounts can be spent from the account records directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: June 3, 2010Date of Patent: October 2, 2012Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Publication number: 20120239576Abstract: The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.Type: ApplicationFiled: May 15, 2012Publication date: September 20, 2012Applicant: QUALCOMM INCORPORATEDInventors: Gregory Gordon Rose, Craig Lauer, Alexander Gantman, Joan T. Waltman
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Patent number: 8267312Abstract: A virtual cash system, method, and apparatus for establishing account records containing a record of money amounts associated with a wireless device and a security code comprising a code portion to verify a deposit of money. Cash transfers between account records may be subject to restrictions associated with the cash amounts. Restrictions may include the specific merchant identifications, product type identifications for which cash transfers may be made. Alternatively, the restrictions may include spending limits on each cash transfer.Type: GrantFiled: August 10, 2010Date of Patent: September 18, 2012Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Patent number: 8245911Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: May 1, 2009Date of Patent: August 21, 2012Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Publication number: 20110131104Abstract: Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.Type: ApplicationFiled: May 28, 2010Publication date: June 2, 2011Applicant: QUALCOMM IncorporatedInventors: Gregory Gordon Rose, Craig B. Lauer, Joan T. Waltman
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Publication number: 20100306110Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: August 10, 2010Publication date: December 2, 2010Applicant: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Publication number: 20100241563Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: June 3, 2010Publication date: September 23, 2010Applicant: QUALCOMM IncorporatedInventor: JOAN T. WALTMAN
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Publication number: 20100049615Abstract: The mobile commerce authentication and authorization system disclosed, illustrated, and claimed allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the user of the mobile wireless communications instrument is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device.Type: ApplicationFiled: August 20, 2008Publication date: February 25, 2010Applicant: QUALCOMM IncorporatedInventors: Gregory Gordon Rose, Craig Lauer, Alexander Gantman, Joan T. Waltman
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Publication number: 20090224033Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: ApplicationFiled: May 1, 2009Publication date: September 10, 2009Applicant: QUALCOMM IncorporatedInventor: Joan T. Waltman
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Patent number: 7552867Abstract: A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.Type: GrantFiled: March 15, 2006Date of Patent: June 30, 2009Assignee: QUALCOMM IncorporatedInventor: Joan T. Waltman