Patents by Inventor Andrew Boemi
Andrew Boemi 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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Publication number: 20210383446Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: ApplicationFiled: August 22, 2021Publication date: December 9, 2021Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Publication number: 20200074438Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from a merchant with a mobile device including: providing a mobile device; establishing a user account at a first bank; establishing a merchant account at a second bank; receiving a credit request from the mobile device user; converting the requested credit amount to a credit equivalent amount in cyberscrip at the first bank; broadcasting a credit transaction message to a blockchain network; identifying goods/services for purchase; determining a total price for the identified goods/services on the mobile device; acquiring the merchant name for the merchant on the mobile device; actuating a purchase button on the mobile device; converting the total price to a purchase equivalent amount in the cyberscrip; and broadcasting a purchase transaction message to the blockchain network.Type: ApplicationFiled: January 3, 2019Publication date: March 5, 2020Inventor: ANDREW A. BOEMI
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Publication number: 20190236670Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: ApplicationFiled: April 12, 2019Publication date: August 1, 2019Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Patent number: 10262351Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: GrantFiled: October 26, 2017Date of Patent: April 16, 2019Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Publication number: 20180047079Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: ApplicationFiled: October 26, 2017Publication date: February 15, 2018Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Patent number: 9805405Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: GrantFiled: February 17, 2015Date of Patent: October 31, 2017Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Publication number: 20150235290Abstract: A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.Type: ApplicationFiled: February 17, 2015Publication date: August 20, 2015Inventors: Andrew A. Boemi, John L. Snyder, Peter C. Vogelberger
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Publication number: 20020055907Abstract: An electronic payment system and method allowing payment by a single action over any electronic finds transfer network and using any pre-determined local or international electronic funds transfer and settlement network. The customer establishes funds transfer static data containing an identification number corresponding to a customer ID, and funds transfer information containing bank account or credit card information; completes a customer transaction to the point of payment; provides the customer ID at a transaction point; and, in response to a single action, transmits payment input data containing the customer ID, payment amount, and transaction date to a finds transfer data and processing host. The funds transfer data and processing host generates finds transfer data by adding finds transfer static data and finds transfer status data to the payment input data; monitors the status data to decide if payment is due; and generates a finds transfer instruction when the status data indicate the payment is due.Type: ApplicationFiled: November 8, 2001Publication date: May 9, 2002Inventors: Orazio Pater, Andrew Boemi