Patents by Inventor Michelle Fisher

Michelle Fisher 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).

  • Wireless bidirectional communications between a mobile device and associated secure element using inaudible sound waves
    Patent number: 8879986
    Abstract: In some embodiments, a system includes a mobile communication device and a secure element physically coupled to the mobile communication device. The mobile communication device includes a first wireless transceiver, first processor, first memory, first speaker, first microphone, and first Audio To Digital conversion (ADC). The secure element includes a second wireless transceiver, second processor, second memory, second speaker, second microphone, a second Audio To Digital converter (ADC), and a second Digital to Audio converter (DAC). The mobile communication device is configured to transmit data via the first speaker to the secure element microphone using inaudible sound waves. The secure element is configured to transmit data wirelessly via the second speaker to the mobile communication device using inaudible sound waves.
    Type: Grant
    Filed: December 30, 2011
    Date of Patent: November 4, 2014
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • REMOTE TRANSACTION PROCESSING OF CONTENT
    Publication number: 20140324697
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 15, 2014
    Publication date: October 30, 2014
    Inventor: Michelle Fisher
  • REMOTE ACCESS TO MEDIA
    Publication number: 20140324574
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: April 15, 2014
    Publication date: October 30, 2014
    Inventor: Michelle Fisher
  • REMOTE TRANSACTION PROCESSING OF A TICKET
    Publication number: 20140324560
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 15, 2014
    Publication date: October 30, 2014
    Inventor: Michelle Fisher
  • REMOTE ACCESS TO TICKETS
    Publication number: 20140324635
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: April 15, 2014
    Publication date: October 30, 2014
    Inventor: Michelle Fisher
  • REMOTE DELIVERY OF RECEIPTS FROM A SERVER
    Publication number: 20140308934
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: April 1, 2014
    Publication date: October 16, 2014
    Inventor: Michelle Fisher
  • REMOTE TRANSACTION PROCESSING OF MEDIA
    Publication number: 20140310161
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 15, 2014
    Publication date: October 16, 2014
    Inventor: Michelle Fisher
  • REMOTE ACCESS TO CONTENT
    Publication number: 20140302824
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: March 24, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • USING A MOBILE DEVICE AS A POINT OF SALE TERMINAL WITH A SERVER AND RECEIPTS
    Publication number: 20140304161
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 8, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION AND ADS
    Publication number: 20140304082
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: March 19, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • USING A MOBILE DEVICE AS A POINT OF SALE TERMINAL WITH A SERVER AND DIGITAL ARTIFACTS
    Publication number: 20140304160
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 8, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • REMOTE ACCESS TO COUPONS
    Publication number: 20140304073
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: March 24, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION
    Publication number: 20140304095
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: March 19, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • USING A MOBILE DEVICE AS A POINT OF SALE TERMINALWITH RECEIPTS
    Publication number: 20140304159
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: April 8, 2014
    Publication date: October 9, 2014
    Inventor: Michelle Fisher
  • REMOTE DELIVERY OF DIGITAL ARTIFACTS
    Publication number: 20140297518
    Abstract: A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.
    Type: Application
    Filed: December 30, 2013
    Publication date: October 2, 2014
    Inventor: Michelle Fisher
  • Using a secure element coupled to a mobile device as a POS terminal for processing mag stripe transactions
    Patent number: 8818870
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: December 7, 2012
    Date of Patent: August 26, 2014
    Inventor: Michelle Fisher
  • REMOTE TRANSACTION PROCESSING WITH AN AD
    Publication number: 20140229259
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: March 18, 2014
    Publication date: August 14, 2014
    Inventor: Michelle Fisher
  • FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A POS
    Publication number: 20140229276
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Application
    Filed: February 24, 2014
    Publication date: August 14, 2014
    Inventor: Michelle Fisher
  • Online shopping using NFC and a mobile device
    Patent number: 8805726
    Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
    Type: Grant
    Filed: December 10, 2012
    Date of Patent: August 12, 2014
    Inventor: Michelle Fisher
  • Redeeming coupons using NFC
    Patent number: 8799085
    Abstract: The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.
    Type: Grant
    Filed: November 19, 2012
    Date of Patent: August 5, 2014
    Inventor: Michelle Fisher