Patents by Inventor Steven Smashnuk

Steven Smashnuk 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).

  • Electronic balance checking and credit approval system for use in conducting electronic transactions
    Patent number: 8050991
    Abstract: An electronic balance checking and credit approval system includes consumer transaction accounts, tokens, input devices, authentication hardware and software code capable of execution by the hardware, and output devices. The consumer transaction account is held in trust on behalf of a consumer by a credit extending company. The token is specific to and held by the consumer, and includes a consumer account identifier that is associated with the consumer transaction account. The input device receives the consumer account identifier concurrent with a consumer-initiated request for account balance information. The authentication hardware and software code verifies the consumer-initiated request and the consumer account identifier and authorizes access to the consumer transaction account. The consumer interface apparatus provides the consumer with a real-time account balance datum that is currently associated with the consumer transaction account.
    Type: Grant
    Filed: April 5, 2006
    Date of Patent: November 1, 2011
    Assignee: DXStorm. com Inc.
    Inventors: Zoran Popovic, Steven Smashnuk, E. Marcel Oprea
  • Electronic balance checking and credit approval system for use in conducting electronic transactions
    Publication number: 20060229978
    Abstract: An electronic balance checking and credit approval system includes consumer transaction accounts, tokens, input devices, authentication hardware and software, and output devices. The consumer transaction account is held in trust on behalf of a consumer by a credit extending company. The token is specific to and held by the consumer, and includes a consumer account identifier that is associated with the consumer transaction account. The input device receives the consumer account identifier concurrent with a consumer-initiated request for account balance information. The authentication hardware and software verifies the consumer-initiated request and the consumer account identifier and authorizes access to the consumer transaction account. The consumer interface apparatus provides the consumer with a real-time account balance datum that is currently associated with the consumer transaction account.
    Type: Application
    Filed: April 5, 2006
    Publication date: October 12, 2006
    Applicant: DXStorm.com Inc.
    Inventors: Zoran Popovic, Steven Smashnuk, E. Oprea