Patents Assigned to Lead Core Fund, L.L.C.
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Patent number: 8938402Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.Type: GrantFiled: June 15, 2012Date of Patent: January 20, 2015Assignee: Lead Core Fund, L.L.C.Inventors: Fred Alan Bishop, Elliott Harold Glazer, Zygmunt Steven Gorgol, William G. Hohle, Michael G. Johnson, David E. Johnstone, Walter Donald Lake, Coby Royer, Marvin Simkin, Nick Swift, Dirk B. White, Russell Bennett
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Patent number: 8924310Abstract: A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component.Type: GrantFiled: June 15, 2012Date of Patent: December 30, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred Alan Bishop, Elliott Harold Glazer, Zygmunt Steven Gorgol, William G. Hohle, Michael G. Johnson, David E. Johnstone, Walter Donald Lake, Coby Royer, Marvin Simkin, Nick Swift, Dirk B. White, Russell Bennett
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Patent number: 8875990Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: November 4, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8851369Abstract: Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.Type: GrantFiled: July 17, 2009Date of Patent: October 7, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred Bishop, Robert E. Morgan, Hitesh Seth
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Patent number: 8820633Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: September 2, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8814039Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: August 26, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8794509Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: August 5, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8646685Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: February 11, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8635114Abstract: An integrated database and information server are provided that efficiently share information and tasks between various stored value programs. A server is configured to provide reusable objects and data structures that are suitably shared between various stored value products. A database at the server allows data to be shared between various programs so that each consumer associates with only one database record even though that consumer may use multiple shared value products. By integrating modules and avoiding duplicate records, the record communicates with all stored value programs, so the information does not need to be repeatedly entered into the database. Moreover, new stored value products are quickly and easily created through selection and arrangement of various shared objects preferably maintained within the database.Type: GrantFiled: October 12, 2010Date of Patent: January 21, 2014Assignee: Lead Core Fund, L.L.C.Inventors: Michael Blandina, Robert Berry, Mari Belczynski
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Patent number: 8596527Abstract: A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.Type: GrantFiled: January 13, 2009Date of Patent: December 3, 2013Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Peter D. Saunders
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Patent number: 8458086Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: GrantFiled: December 1, 2008Date of Patent: June 4, 2013Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Patent number: 8275704Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.Type: GrantFiled: January 16, 2009Date of Patent: September 25, 2012Assignee: Lead Core Fund, L.L.C.Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
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Patent number: 8234212Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.Type: GrantFiled: September 30, 2008Date of Patent: July 31, 2012Assignee: Lead Core Fund, L.L.C.Inventors: Fred Bishop, Bansi Sharma, Tracey R. Thomas
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Patent number: 8195565Abstract: Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.Type: GrantFiled: June 5, 2009Date of Patent: June 5, 2012Assignee: Lead Core Fund, L.L.C.Inventors: Fred Bishop, Robert E. Morgan, Hitesh Seth
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Patent number: 8190514Abstract: Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.Type: GrantFiled: June 5, 2009Date of Patent: May 29, 2012Assignee: Lead Core Fund, L.L.C.Inventors: Fred Bishop, Robert E. Morgan, Hitesh Seth
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Patent number: 8180706Abstract: Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.Type: GrantFiled: June 5, 2009Date of Patent: May 15, 2012Assignee: Lead Core Fund, L.L.C.Inventors: Fred Bishop, Robert E. Morgan, Hitesh Seth