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).

  • REMOTE TRANSACTION PROCESSING WITH A POINT-OF-ENTRY TERMINAL USING BLUETOOTH
    Publication number: 20140195362
    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: December 30, 2013
    Publication date: July 10, 2014
    Inventor: Michelle Fisher
  • Customized Application For Proximity Transactions
    Publication number: 20140187228
    Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.
    Type: Application
    Filed: February 14, 2014
    Publication date: July 3, 2014
    Inventor: Michelle Fisher
  • SECURE ELEMENT FOR PROXIMITY TRANSACTIONS
    Publication number: 20140188735
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Application
    Filed: February 14, 2014
    Publication date: July 3, 2014
    Inventor: Michelle Fisher
  • Using Harvested Power for NFC Transactions
    Publication number: 20140180851
    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, and first memory. The secure element includes a second wireless transceiver, second processor, and second memory. The mobile communication device is configured to transmit data via the first wireless transceiver to the secure element in packets, using a packet protocol. The secure element is configured to transmit data via the second wireless transceiver to the mobile communication device in messages, using a messaging protocol distinct from the packet protocol.
    Type: Application
    Filed: September 10, 2013
    Publication date: June 26, 2014
    Applicant: Blaze Mobile, Inc.
    Inventor: Michelle FISHER
  • CUSTOMIZED INFORMATION WITHOUT AUTHENTICATION
    Publication number: 20140164135
    Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.
    Type: Application
    Filed: February 14, 2014
    Publication date: June 12, 2014
    Inventor: Michelle Fisher
  • FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A MOBILE COMMUNICATIONS DEVICE
    Publication number: 20140164156
    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 13, 2014
    Publication date: June 12, 2014
    Inventor: Michelle Fisher
  • REMOTE TRANSACTION PROCESSING AT A SERVER USING A DEFAULT PAYMENT METHOD AND COUPONS
    Publication number: 20140164092
    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 14, 2014
    Publication date: June 12, 2014
    Inventor: Michelle Fisher
  • FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A SERVER
    Publication number: 20140164157
    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 13, 2014
    Publication date: June 12, 2014
    Inventor: Michelle Fisher
  • Single tap transactions using a mobile application
    Patent number: 8751313
    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: June 10, 2014
    Inventor: Michelle Fisher
  • Single tap transactions using a server
    Patent number: 8751314
    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: June 10, 2014
    Inventor: Michelle Fisher
  • Using a mobile device as a point of sale terminal
    Patent number: 8751315
    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 5, 2012
    Date of Patent: June 10, 2014
    Inventor: Michelle Fisher
  • Personalized mobile banking transactions
    Patent number: 8725577
    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: August 29, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Remote transaction processing with multiple payment methods using authentication
    Patent number: 8725576
    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: January 7, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Remote transaction processing with multiple payment mechanisms
    Patent number: 8725575
    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: January 7, 2013
    Date of Patent: May 13, 2014
    Inventor: Michelle Fisher
  • Data transfer from a near field communication terminal to a remote server with prior authentication
    Patent number: 8694436
    Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
    Type: Grant
    Filed: October 11, 2012
    Date of Patent: April 8, 2014
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • Remote transaction processing using a default payment method and coupons
    Patent number: 8694380
    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: January 7, 2013
    Date of Patent: April 8, 2014
    Assignee: Michelle Fisher
    Inventor: Michelle Fisher
  • Customized mobile applications for special interest groups
    Patent number: 8693995
    Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.
    Type: Grant
    Filed: December 13, 2007
    Date of Patent: April 8, 2014
    Inventor: Michelle Fisher
  • Financial transaction processing with digital artifacts using a mobile communications device
    Patent number: 8688526
    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: April 1, 2014
    Inventor: Michelle Fisher
  • PERSONALIZED MOBILE BANKING TRANSACTIONS
    Publication number: 20140074707
    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: August 29, 2013
    Publication date: March 13, 2014
    Applicant: Blaze Mobile, Inc.
    Inventor: Michelle Fisher
  • Single tap transactions using a point-of-sale terminal
    Patent number: 8630906
    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: January 14, 2014
    Inventor: Michelle Fisher