Patents by Inventor Robert Rutherford
Robert Rutherford 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).
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Patent number: 11488125Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.Type: GrantFiled: May 8, 2019Date of Patent: November 1, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Julian Hua, Robert Rutherford
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Patent number: 10685379Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.Type: GrantFiled: November 21, 2018Date of Patent: June 16, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Julian Hua, Robert Rutherford
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Patent number: 10645175Abstract: In one embodiment, a system and method is provided to intercept an approval routing at a check-out and before the submission over the legacy routing system and before the starting of associated timers. Data identifying a customer account is routed over a different system for additional functions. Upon completion of the routing over the different system, the customer account data is submitted to the merchant POS to start the legacy approval routing.Type: GrantFiled: March 29, 2018Date of Patent: May 5, 2020Assignee: Cameros Bay Capital, LLCInventors: Mark Carlson, Gary Bender, Robert Rutherford, Patrick Stan
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Patent number: 10503469Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.Type: GrantFiled: December 12, 2017Date of Patent: December 10, 2019Assignee: Visa International Service AssociationInventors: Robert Rutherford, Julian Hua
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Publication number: 20190266582Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.Type: ApplicationFiled: May 8, 2019Publication date: August 29, 2019Inventors: Ayman Hammad, Julian Hua, Robert Rutherford
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Publication number: 20190244248Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.Type: ApplicationFiled: November 21, 2018Publication date: August 8, 2019Inventors: Thomas Purves, Julian Hua, Robert Rutherford
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Patent number: 10325248Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.Type: GrantFiled: October 1, 2014Date of Patent: June 18, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Julian Hua, Robert Rutherford
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Patent number: 10223710Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.Type: GrantFiled: June 16, 2014Date of Patent: March 5, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Julian Hua, Robert Rutherford
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Publication number: 20180288166Abstract: In one embodiment, a system and method is provided to intercept an approval routing at a check-out and before the submission over the legacy routing system and before the starting of associated timers. Data identifying a customer account is routed over a different system for additional functions. Upon completion of the routing over the different system, the customer account data is submitted to the merchant POS to start the legacy approval routing.Type: ApplicationFiled: March 29, 2018Publication date: October 4, 2018Inventors: Mark CARLSON, Gary BENDER, Robert RUTHERFORD, Patrick STAN
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Publication number: 20180113675Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.Type: ApplicationFiled: December 12, 2017Publication date: April 26, 2018Inventors: ROBERT RUTHERFORD, JULIAN HUA
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Patent number: 9898723Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.Type: GrantFiled: December 18, 2013Date of Patent: February 20, 2018Assignee: Visa International Service AssociationInventors: Robert Rutherford, Julian Hua
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Publication number: 20150095190Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.Type: ApplicationFiled: October 1, 2014Publication date: April 2, 2015Inventors: Ayman Hammad, Julian Hua, Robert Rutherford
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Publication number: 20150092420Abstract: An optical system comprising a non-specular ceramic reflector surrounding one or more electrode-less bulbs containing a fill that forms a light-emitting plasma when excited with radio frequency, to be used in a fixture for illuminating subjects, for the purpose of high output lighting, such as lighting for image capture, horticulture, stadium, port, roadway, construction and area lighting. This ceramic reflector generates a uniform lambertian reflection specifically evening out the light emission from the electrode-less bulb producing a uniform beam of light with a spread between about 1 to about 300 degrees. This ceramic reflector greatly increases the amount of light falling on a given subject in comparison to the fixture without said reflector system.Type: ApplicationFiled: October 1, 2014Publication date: April 2, 2015Inventors: Jonathan Edward Miller, Robert Rutherford, Jaime Emmanuelli
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Publication number: 20150073907Abstract: The WEARABLE INTELLIGENT VISION DEVICE APPARATUSES, METHODS AND SYSTEMS (“WIVD”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, mixed gesture capturing, bio-sensor data via WIVD components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the WIVD may provide a personal device in the form of a pair of eyeglasses, wherein the wearer of the eyeglasses may obtain various augmented reality views. The WIVD determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device.Type: ApplicationFiled: June 16, 2014Publication date: March 12, 2015Inventors: Thomas Purves, Julian Hua, Robert Rutherford
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Publication number: 20150032603Abstract: The CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS (“DPA”) transforms NFC, virtual wallet, and authentication inputs into application launch instructions and transaction information outputs. In some implementations, this may be achieved via obtaining an indication that a user device is in proximity to an NFC tag, where the NFC tag is associated with a merchant. Based on the indication, contents of the NFC tag are obtained. The contents include an authentication certificate for the merchant. The NFC tag is authenticated using the authentication certificate, where the authenticating of the NFC tag generates an authentication result indicating a validity of the NFC tag. An application launch instruction is provided to the user device based on the authentication result. The application launch instruction is processed at the user device to open an application associated with the merchant on the user device.Type: ApplicationFiled: March 11, 2014Publication date: January 29, 2015Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Robert Rutherford
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Publication number: 20150012426Abstract: The Multi Disparate Gesture Actions And Transactions Apparatuses, Methods And Systems (“MDGAAT”) transform gesture, video, and audio inputs via MDGAAT components into action, augmented reality, and transaction outputs. receiving from a wallet user multiple gesture actions within a specified temporal quantum; determining composite constituent gestures, gesture manipulated objects, and user account information from the received multiple gesture actions; determining via a processor a composite gesture action associated with the determined composite constituent gestures and gesture manipulated objects; and executing via a processor the composite gesture action to perform a transaction with a user account specified by the user account information.Type: ApplicationFiled: January 6, 2014Publication date: January 8, 2015Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Julian Hua, Robert Rutherford
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Publication number: 20150006390Abstract: Steganographic techniques are used to embed financial information or authentication information within an image, audio, or video file using a quantization table and/or other filter. The file is then transmitted over an insecure network, such as a GSM cell phone network, and a server extracts the information from the image, audio, or video using the same quantization table and/or filter. Multiple sets of information, such as telephone numbers and/or payment account numbers, are extracted from the same image by those entities possessing the appropriate keys. The filters and tables used to embed financial information can be updated periodically or according to events. A video of images, some with embedded information, some with ‘dummy’ data, can be used to hide information over insecure networks for payment transactions.Type: ApplicationFiled: June 23, 2014Publication date: January 1, 2015Inventors: Selim Aissi, Taeho Kgil, Ajit Gaddam, Robert Rutherford
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Patent number: 8776466Abstract: The present invention provides a lath furring strip having a height not exceeding 0.365 inches which has improved waterproofing capabilities by incorporating the lath furring strip into other architectural structures such as reveals, expansion joints and window flange coverings. By integrating these structures with a lath furring strip having water proofing features, there is increased water proofing of the entire architectural structure. One or more moisture barriers can easily be applied to the wall or furring strips that prevents seepage of moisture from the stucco on the lath to a wall or framing.Type: GrantFiled: February 4, 2014Date of Patent: July 15, 2014Inventor: Robert Rutherford
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Publication number: 20140172430Abstract: Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.Type: ApplicationFiled: December 18, 2013Publication date: June 19, 2014Inventors: Robert RUTHERFORD, Julian HUA
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Publication number: 20140144100Abstract: The present invention provides a lath furring strip having a height not exceeding 0.365 inches which has improved waterproofing capabilities by incorporating the lath furring strip into other architectural structures such as reveals, expansion joints and window flange coverings. By integrating these structures with a lath furring strip having water proofing features, there is increased water proofing of the entire architectural structure. One or more moisture barriers can easily be applied to the wall or furring strips that prevents seepage of moisture from the stucco on the lath to a wall or framing.Type: ApplicationFiled: February 4, 2014Publication date: May 29, 2014Inventor: Robert Rutherford