Patents by Inventor Louis C. Garbarino

Louis C. Garbarino 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).

  • SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS
    Publication number: 20090228336
    Abstract: A network for processing retail sales transactions includes a customer transceiver with a unique customer number, a reader receiving the customer number and sending it to a point-of-sale device where it is combined with transaction information to form a transaction entry. The transaction entry is sent through a merchant computer to a transaction processing system having a customer database. The transaction processing system references an entry in the customer database corresponding to the customer/transmitter ID number and routes the transaction entry to a payment processing system specified in the customer database entry.
    Type: Application
    Filed: February 27, 2009
    Publication date: September 10, 2009
    Inventors: Joseph A. GIORDANO, Tory N. Travis, Louis C. Garbarino
  • System and method for processing financial transactions
    Patent number: 7571139
    Abstract: A network for processing retail sales transactions includes a customer transceiver with a unique customer number, a reader receiving the customer number and sending it to a point-of-sale device where it is combined with transaction information to form a transaction entry. The transaction entry is sent through a merchant computer to a transaction processing system having a customer database. The transaction processing system references an entry in the customer database corresponding to the customer/transmitter ID number and routes the transaction entry to a payment processing system specified in the customer database entry.
    Type: Grant
    Filed: February 17, 2000
    Date of Patent: August 4, 2009
    Inventors: Joseph A. Giordano, Tory N. Travis, Louis C. Garbarino