Patents by Inventor Kevin L. Higgins

Kevin L. Higgins 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).

  • Distributed payment system and method
    Patent number: 9443238
    Abstract: The present invention provides a payment system that allows a mobile communications device (MCD) to interact with a merchant processing device (MPD) and a payment engine. A communications component associated with the payment engine can send requested barcodes to the MPD, receive barcodes or alphanumeric Universal Product Codes from customer MCDs, and handle payment authorizations and settlements. A barcode management component can generate and interpret barcodes based upon merchant offerings and client requests. A security algorithms component can employ an offset pair algorithm to convert each digit from a payment card information into an offset pair of digits to facilitate security in accordance with one embodiment of the present invention.
    Type: Grant
    Filed: December 1, 2014
    Date of Patent: September 13, 2016
    Assignee: Playspan, Inc.
    Inventors: Kevin L. Higgins, Sr., Andrew Magruder
  • DISTRIBUTED PAYMENT SYSTEM AND METHOD
    Publication number: 20150088673
    Abstract: The present invention provides a payment system that allows a mobile communications device (MCD) to interact with a merchant processing device (MPD) and a payment engine. A communications component associated with the payment engine can send requested barcodes to the MPD, receive barcodes or alphanumeric Universal Product Codes from customer MCDs, and handle payment authorizations and settlements. A barcode management component can generate and interpret barcodes based upon merchant offerings and client requests. A security algorithms component can employ an offset pair algorithm to convert each digit from a payment card information into an offset pair of digits to facilitate security in accordance with one embodiment of the present invention.
    Type: Application
    Filed: December 1, 2014
    Publication date: March 26, 2015
    Inventors: Kevin L. Higgins, SR., Andrew Magruder
  • Distributed payment system and method
    Patent number: 8935187
    Abstract: The present invention provides a payment system that allows a mobile communications device (MCD) to interact with a merchant processing device (MPD) and a payment engine. A communications component associated with the payment engine can send requested barcodes to the MPD, receive barcodes or alphanumeric Universal Product Codes from customer MCDs, and handle payment authorizations and settlements. A barcode management component can generate and interpret barcodes based upon merchant offerings and client requests. A security algorithms component can employ an offset pair algorithm to convert each digit from a payment card information into an offset pair of digits to facilitate security in accordance with one embodiment of the present invention.
    Type: Grant
    Filed: March 5, 2008
    Date of Patent: January 13, 2015
    Assignee: Playspan, Inc.
    Inventors: Kevin L. Higgins, Sr., Andrew Magruder
  • Distributed Payment System and Method
    Publication number: 20080222048
    Abstract: The present invention provides a payment system that allows a mobile communications device (MCD) to interact with a merchant processing device (MPD) and a payment engine. A communications component associated with the payment engine can send requested barcodes to the MPD, receive barcodes or alphanumeric Universal Product Codes from customer MCDs, and handle payment authorizations and settlements. A barcode management component can generate and interpret barcodes based upon merchant offerings and client requests. A security algorithms component can employ an offset pair algorithm to convert each digit from a payment card information into an offset pair of digits to facilitate security in accordance with one embodiment of the present invention.
    Type: Application
    Filed: March 5, 2008
    Publication date: September 11, 2008
    Inventors: Kevin L. Higgins, Andrew Magruder