Patents by Inventor Ronald C. Hynes

Ronald C. Hynes 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).

  • METHODS AND SYSTEMS FOR ENABLING DATA EXCHANGE BETWEEN COMPUTING DEVICES LACKING A SHARED DATA EXCHANGE PROTOCOL
    Publication number: 20200051050
    Abstract: A computer-based method for paying a bill using a transaction card account is performed using an interchange computer coupled to a memory. The method includes submitting bill pay data by a consumer for processing by a bill payment outsourcer, receiving the bill pay data and an authorization message, processing the bill pay data and the authorization message for transmission to an issuer associated with the transaction card, and receiving an approval message from the issuer after the issuer has confirmed that the transaction card account includes sufficient funds to pay the submitted bill. The approval message is provided to the bill payment outsourcer. Funds data representing a transfer of funds from the transaction card account is transmitted to the biller for paying the bill.
    Type: Application
    Filed: October 18, 2019
    Publication date: February 13, 2020
    Inventors: Alexander A. Liu, Ronald C. Hynes
  • METHODS AND SYSTEMS FOR PAYING A BILL USING A TRANSACTION CARD ACCOUNT
    Publication number: 20100161486
    Abstract: A computer-based method for paying a bill using a transaction card account is performed using an interchange computer coupled to a memory. The method includes submitting bill pay data by a consumer for processing by a bill payment outsourcer, receiving the bill pay data and an authorization message, processing the bill pay data and the authorization message for transmission to an issuer associated with the transaction card, and receiving an approval message from the issuer after the issuer has confirmed that the transaction card account includes sufficient funds to pay the submitted bill. The approval message is provided to the bill payment outsourcer. Funds data representing a transfer of funds from the transaction card account is transmitted to the biller for paying the bill.
    Type: Application
    Filed: December 23, 2008
    Publication date: June 24, 2010
    Inventors: Alexander A. Liu, Ronald C. Hynes