Patents Represented by Attorney Raymond A. Joao, Esq.
  • Patent number: 7970646
    Abstract: A computer-implemented method, including receiving a request to receive or pick-up a good, a service, or a printed issue of at least one of a periodical, a newspaper, and a magazine, at a retail facility or a store pursuant to a subscription, processing information regarding the request with a processing device, wherein the processing device determines whether the subscription is active or not active or determines whether any good, any service, or any issue or any issues of the at least one of a periodical, a newspaper, and a magazine, remain to be fulfilled pursuant to the subscription, and transmitting a message in response to the request, wherein the message contains an authorization or a denial of the request, and further wherein the message is transmitted to a point-of-sale transaction device located at the retail facility or the store.
    Type: Grant
    Filed: August 13, 2007
    Date of Patent: June 28, 2011
    Inventor: Raymond Anthony Joao
  • Patent number: 7899717
    Abstract: A computer-implemented method, including receiving and storing, with a central processing computer, information regarding an available ticket for a portion of an event prior to a start, completion, or conclusion, of the event or when an individual is leaving a venue of the event or leaving during the event, wherein the individual or another individual initiates or establishes a communication link with the central processing computer using a first communication device, processing information regarding a ticket request or a ticket option request using the information regarding an available ticket, generating a ticket availability message or ticket option availability message, and transmitting the ticket availability message or ticket option availability message to a second communication device associated with a second individual before a completion or a conclusion of the event.
    Type: Grant
    Filed: October 15, 2001
    Date of Patent: March 1, 2011
    Inventor: Raymond Anthony Joao
  • Patent number: 7895058
    Abstract: A computer-implemented method, including storing or processing information regarding a benefit provided to an employee pursuant to an employee benefit relationship between the employee and a benefit provider established prior to, pursuant to, or during, a first employment relationship between the employee and a first employer, storing or processing information for providing or maintaining the benefit pursuant to or during a second employment relationship between the employee and a second employer, receiving a request for information regarding the benefit, processing the request for information regarding the benefit with a processing device, generating a message in response to the processing of the request for information regarding the benefit, and transmitting the message to a communication device associated with the employee, a benefit beneficiary, a second employer, or a benefit administrator, via, on, or over, the Internet and/or the World Wide Web.
    Type: Grant
    Filed: October 12, 2007
    Date of Patent: February 22, 2011
    Assignee: Aveiro Information Systems, LLC
    Inventor: Raymond Anthony Joao
  • Patent number: 7870010
    Abstract: An apparatus and method for processing lease insurance information, including a processor for processing information for generating at least one of an insurance premium and an insurance policy for providing insurance for excess wear or post warranty repairs for a leased entity, wherein the processor generates a information regarding an insurance premium or an insurance policy, wherein the processor generates information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the at least one of an insurance policy and an insurance product, and at least one of a display device and an output device for providing information, the insurance premium, the insurance policy, or the insurance product.
    Type: Grant
    Filed: January 26, 2004
    Date of Patent: January 11, 2011
    Inventor: Raymond Anthony Joao
  • Patent number: 7661585
    Abstract: A computer-implemented method, including receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the transact on with a processing device, generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual or involving the account, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider of a good, product, or service.
    Type: Grant
    Filed: September 16, 2008
    Date of Patent: February 16, 2010
    Inventor: Raymond Anthony Joao
  • Patent number: 7529698
    Abstract: A computer-implemented method, including receiving information regarding a transaction involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the transaction with a processing device using information regarding the account, generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the account, and transmitting the information report to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.
    Type: Grant
    Filed: January 15, 2002
    Date of Patent: May 5, 2009
    Inventor: Raymond Anthony Joao
  • Patent number: 7490086
    Abstract: An apparatus, including a memory device which stores information regarding a job opening, position, assignment, contract, or project, and information regarding a job search request or inquiry, a processing device which processing the information regarding a job search request or inquiry upon an automatic detection of an occurrence of a searching event which is an occurrence of a job posting, a posting of new or revised data or information, a news release of a business event, an employment-related event, an economic report, industry-specific news, an event which creates an to fill a position, or an event which creates an interest to seek a position, and generates a message, containing the information regarding a job opening, position, assignment, contract, or project, responsive to the job search request or inquiry, and a transmitter which transmits the message to a communication device associated with an individual.
    Type: Grant
    Filed: October 23, 2003
    Date of Patent: February 10, 2009
    Inventor: Raymond Anthony Joao
  • Patent number: 7490048
    Abstract: A computer-implemented method, including processing, with a processor, a request by a person or entity to access, obtain, change, alter, or modify, an individual's or patient's healthcare record or file which contains healthcare information or healthcare-related information personal to the individual or patient, generating a message containing information regarding the person or entity and/or identification information regarding the person or entity, and containing an actual change, alteration, or modification, sought to be made or made to the individual's or patient's healthcare record or file, and transmitting the message to a communication device of the individual or patient during, concurrently with, at a same time as, or prior to a completion of, an accessing, obtaining, changing, altering, or modifying, of the individual's or patient's healthcare record or file or a processing of the request.
    Type: Grant
    Filed: November 14, 2001
    Date of Patent: February 10, 2009
    Inventor: Raymond Anthony Joao
  • Patent number: 7482920
    Abstract: An apparatus, including a shipment conveyance device which is a shipping container, pallet, piece of luggage, or tote, a memory device located in, on, or at, the shipment conveyance device which stores information regarding the shipment conveyance device, a global positioning device located in, on, or at, the shipment conveyance device which determines a position or location of the shipment conveyance device, a processing device which processes information regarding the shipment conveyance device in response to an occurrence of an event or a request for information and which generates a message containing information regarding the position or location of the shipment conveyance device and information regarding the occurrence of an event, a status of a shipment or transportation involving the shipment conveyance device, a temperature, or an impact or force on the shipment conveyance device, and a transmitter located in, on, or at, the shipment conveyance device which transmits the message to a communication de
    Type: Grant
    Filed: April 17, 2006
    Date of Patent: January 27, 2009
    Inventor: Raymond Anthony Joao
  • Patent number: 7464040
    Abstract: A computer-implemented method, including receiving information regarding an individual, transmitted from a first computer or communication device associated with or is used by a healthcare provider, which information contains information regarding a symptom, examination finding, diagnosis, treatment, administration of a treatment, or procedure, storing the information or updating the healthcare record or the healthcare history of, for, or associated with, the individual, generating an insurance claim, wherein the insurance claim is automatically generated by a processing device in response to the storing of the information or the updating of the healthcare record or the healthcare history, which insurance claim is suitable for being automatically submitted to the healthcare insurer or payer associated with the individual or is suitable for being automatically transmitted to a second computer or communication device associated with the healthcare insurer or payer, and transmitting the insurance claim to the se
    Type: Grant
    Filed: December 15, 2000
    Date of Patent: December 9, 2008
    Inventor: Raymond Anthony Joao
  • Patent number: 7433834
    Abstract: A computer-implemented method, including storing information regarding a goal and/or expectation regarding in-store sales, revenues, profits, or losses, regarding a retail store, selecting or triggering an occurrence of an event which is selected or triggered by an employee of the retail store, processing in-store sales, revenue, profit, or loss, information corresponding to the retail store in connection with the goal and/or expectation with a processor in response to the occurrence of the event, identifying a good, product, or service, for which an in-store price change is recommended, determining an in-store price change for the good, product, or service, generating a message containing information regarding the in-store price change, and transmitting the message to a wireless device associated with an individual. The wireless device is inside the retail store.
    Type: Grant
    Filed: March 11, 2002
    Date of Patent: October 7, 2008
    Inventor: Raymond Anthony Joao
  • Patent number: 7397363
    Abstract: An apparatus including a first device which generates and/or transmits a first signal and which is associated with a web site and located remote from a premises or vehicle. The first signal is transmitted in response to a second signal transmitted from a second device located remote from the first device and remote from the premises or vehicle. The first device determines whether an action or an operation associated with the second signal is authorized or allowed and, if so, transmits the first signal to a third device located at the premises. The second signal is transmitted via the Internet and/or the World Wide Web. The third device generates and/or transmits a third signal for activating, de-activating, disabling, re-enabling, and/or controlling an operation of, a system, device, equipment, equipment system, component, and appliance, of the premises or vehicle.
    Type: Grant
    Filed: September 16, 2002
    Date of Patent: July 8, 2008
    Inventor: Raymond Anthony Joao
  • Patent number: 7305347
    Abstract: A computer-implemented method, including receiving a request or claim for an employee benefit via, on, or over, the Internet and/or World Wide Web, processing the request or claim for an employee benefit with a first processing device or a second processing device accessed via, on, or over, or which operates on or over, the Internet and/or World Wide Web, determining with the first processing device or with the second processing device whether the employee benefit requested in the request or claim for an employee benefit is to be provided, generating a message in response to the request or claim for an employee benefit, and transmitting the message to a communication device associated with at least one of the employee, the benefit beneficiary, an employer, and a benefit administrator, via, on, or over, the Internet and/or World Wide Web.
    Type: Grant
    Filed: September 7, 1999
    Date of Patent: December 4, 2007
    Inventor: Raymond Anthony Joao
  • Patent number: 7280978
    Abstract: A computer-implemented method, including receiving a request to receive or pick-up a printed issue of at least one of a periodical, a newspaper, and a magazine, at a retail facility or a store pursuant to a subscription, processing information regarding the request with a processing device, wherein the processing device determines whether the subscription is active or not active or determines whether any issue or any issues of the at least one of a periodical, a newspaper, and a magazine, remain to be fulfilled pursuant to the subscription, and transmitting a message in response to the request, wherein the message contains an authorization or a denial of the request, and further wherein the message is transmitted to a point-of-sale transaction device located at the retail facility or the store.
    Type: Grant
    Filed: September 11, 2000
    Date of Patent: October 9, 2007
    Inventor: Raymond Anthony Joao
  • Patent number: 7277010
    Abstract: Monitoring apparatus and method including a processor, associated with a web site and capable of providing audio and video, which receives audio information recorded or obtained at a vehicle or premises. The processor, located remote from the vehicle or premises, receives a signal from a device located remote from the processor and the vehicle or premises. The audio information is transmitted to the device over the Internet and/or World Wide Web in response to the signal. Monitoring apparatus and method including a processor, associated with a web site, which receives video information recorded or obtained at a vehicle or premises. The processor, located remote from the vehicle or premises, receives a signal transmitted from a device located remote from the processor and the vehicle or premises. The video information is transmitted to the device on or over the Internet and/or World Wide Web in response to the signal.
    Type: Grant
    Filed: October 3, 2002
    Date of Patent: October 2, 2007
    Inventor: Raymond Anthony Joao
  • Patent number: 7253731
    Abstract: An apparatus, including a shipment conveyance device, associated with a shipment, which is a shipping a container, pallet, or tote, a memory device, located at the shipment conveyance device, in which information regarding the shipment is stored, a global positioning device, located at the shipment conveyance device, which determines a position or location of the shipment conveyance device, a processing device which processes information regarding the shipment and/or shipment conveyance device in response to an occurrence of an event or in response to a request for information and generates a message containing information regarding the position or location of the shipment conveyance device and information regarding the occurrence of an event, a status of the shipment, a shipment temperature, or an impact or force on the shipment conveyance device, and a transmitter, located at the shipment conveyance device, which transmits the message to a communication device.
    Type: Grant
    Filed: January 22, 2002
    Date of Patent: August 7, 2007
    Inventor: Raymond Anthony Joao
  • Patent number: 7096003
    Abstract: An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.
    Type: Grant
    Filed: September 10, 2001
    Date of Patent: August 22, 2006
    Inventors: Raymond Anthony Joao, Robert Richard Bock
  • Patent number: 6725201
    Abstract: An apparatus and method for processing lease insurance information, including a memory device for storing information for generating at least one of an insurance premium and an insurance policy for providing insurance for at least one of excess wear and tear for a leased entity and post warranty repairs for a leased entity, a processor for generating information concerning at least one of an insurance premium and an insurance policy for providing an insurance policy or an insurance product, and a device for displaying or outputting information concerning the insurance premium, the insurance policy, or the insurance product. The processor generates a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the insurance policy or the insurance product.
    Type: Grant
    Filed: November 20, 2001
    Date of Patent: April 20, 2004
    Inventor: Raymond Anthony Joao
  • Patent number: 6662194
    Abstract: An apparatus and method for providing recruitment information, including a memory device for storing information regarding at least one of a job opening, a position, an assignment, a contract, and a project, and information regarding a job search request, a processing device for processing information regarding the job search request upon a detection of an occurrence of a searching event, wherein the processing device utilizes information regarding the at least one of a job opening, a position, an assignment, a contract, and a project, stored in the memory device, and further wherein the processing device generates a message containing information regarding at least one of a job opening, a position, an assignment, a contract, and a project, wherein the message is responsive to the job search request, and a transmitter for transmitting the message to a communication device associated with an individual in real-time.
    Type: Grant
    Filed: July 7, 2000
    Date of Patent: December 9, 2003
    Inventor: Raymond Anthony Joao
  • Patent number: 6587046
    Abstract: A monitoring apparatus and method including a processing device for receiving video information recorded by a video recording device or a camera, wherein the video recording device or a camera is located at a vehicle or a premises and the processing device is located at a location remote from the vehicle or premises. The processing device receives a signal transmitted from a communication device located at a location remote from the processing device and remote from the vehicle or premises. The video information is transmitted from the processing device to the communication device in response the signal. The video information is transmitted to the communication device on or over at least one of the Internet and the World Wide Web.
    Type: Grant
    Filed: October 30, 2002
    Date of Patent: July 1, 2003
    Inventor: Raymond Anthony Joao