Patents by Inventor Richard Grant Waters

Richard Grant Waters 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).

  • Patent number: 11900379
    Abstract: Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.
    Type: Grant
    Filed: March 28, 2023
    Date of Patent: February 13, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Publication number: 20230237489
    Abstract: Systems and methods are described related to using flexible circuity in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.
    Type: Application
    Filed: March 28, 2023
    Publication date: July 27, 2023
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Patent number: 11651370
    Abstract: Systems and methods are described related to using flexible circuitry in a payment accessory. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a first biometric identifier for a first user and a second biometric identifier for a second user. The first biometric identifier is associated with a first transaction account and the second biometric identifier is associated with a second transaction account. A scanned biometric identifier of the first user is received. The first user is authenticated by matching the scanned biometric identifier to the first biometric identifier. The transponder is activated in response to matching the scanned biometric identifier to the first biometric identifier. The first transaction account is transmitted to a point of sale (POS) device for processing the payment transaction based on the first biometric identifier being linked with the first transaction account.
    Type: Grant
    Filed: December 7, 2021
    Date of Patent: May 16, 2023
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Patent number: 11222336
    Abstract: Systems and methods described herein may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor and may comprise flexible circuitry. For instance, the fob may be housed in a wearable transaction instrument, such as a bracelet, ring, wrist band, retractable id, necklace, jewelry charm, lanyard, key ring fob, watch, band, pin, and/or the like. The fob is configured to be used in concert with an RFID reader device.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: January 11, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Publication number: 20150193777
    Abstract: Systems and methods described herein may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor and may comprise flexible circuitry. For instance, the fob may be housed in a wearable transaction instrument, such as a bracelet, ring, wrist band, retractable id, necklace, jewelry charm, lanyard, key ring fob, watch, band, pin, and/or the like. The fob is configured to be used in concert with an RFID reader device.
    Type: Application
    Filed: March 17, 2015
    Publication date: July 9, 2015
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters
  • Publication number: 20130332353
    Abstract: Systems and methods described herein may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor and may comprise flexible circuitry. For instance, the fob may be housed in a wearable transaction instrument, such as a bracelet, ring, wrist band, retractable id, necklace, jewelry charm, lanyard, key ring fob, watch, band, pin, and/or the like. The fob is configured to be used in concert with an RFID reader device.
    Type: Application
    Filed: June 8, 2012
    Publication date: December 12, 2013
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Lachman Aidasani, Kate T. King, Estelle Karine Rachel Mangeney, Charles Newman, Stuart Rolinson, Richard Grant Waters