Patents by Inventor Avery Pennarun
Avery Pennarun 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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Patent number: 10026119Abstract: A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account.Type: GrantFiled: September 10, 2012Date of Patent: July 17, 2018Assignee: GOOGLE LLCInventors: Travis Harrison Kroll Green, Narelle Cozens, Peter Schmitt, Michael DePasquale, Avery Pennarun, Boris Mizhen
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Publication number: 20170132591Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that arc communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.Type: ApplicationFiled: January 13, 2017Publication date: May 11, 2017Inventors: Travis Harrison Kroll Green, Michael DePasquale, Boris Mizhen, Josh Ostrow, Peter Schmitt, Kevin Michael Bierhoff, Alevtina Stolpnik, Avery Pennarun, Narelle Cozens
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Patent number: 9582789Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.Type: GrantFiled: May 16, 2013Date of Patent: February 28, 2017Assignee: GOOGLE INC.Inventors: Travis Harrison Kroll Green, Michael DePasquale, Boris Mizhen, Josh Ostrow, Peter Schmitt, Kevin Michael Bierhoff, Alevtina Stolpnik, Avery Pennarun, Narelle Cozens
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Publication number: 20160180317Abstract: Conducting offline transactions comprises associating, using one or more computing devices, a user computing device with a payment account of a user and a counter-party computing device with a payment account of a counter-party, the user computing device and the counter-party computing device being activated to conduct transactions utilizing the accounts; receiving a transaction request from the user computing device indicating that an offline transaction was conducted with the counter-party computing device; conducting a transfer of funds from the payment account of the user to the payment account of the counter-party; providing a confirmation of the transfer to the user computing device and a confirmation of the transfer to the counter-party computing device; and providing an updated balance of the peer-to-peer payment account of the user to the user computing device and an updated balance of the payment account of the counter-party to the counter-party computing device.Type: ApplicationFiled: March 11, 2013Publication date: June 23, 2016Applicant: Google inc.Inventors: Narelle Cozens, Michael DePasquale, Travis Harrison Kroll Green, Boris Mizhen, Josh Ostrow, Avery Pennarun, Peter Schmitt, Hoai Nguyen
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Publication number: 20160132859Abstract: The present invention provides a computer-implemented method to conduct a peer-to-peer transaction. A peer-to-peer transaction system receives a request for transaction approval from a merchant network device. The request includes user account information captured from a magnetic strip card encoded with the user account information and transaction information. The peer-to-peer transaction system determines that the transaction information is valid; transmits a request for authorization of the transaction to a user network device; receives an indication that the user authorized the transaction; transmits an approval of the transaction to a merchant network device; and conducts the transaction.Type: ApplicationFiled: March 30, 2012Publication date: May 12, 2016Applicant: GOOGLE Inc.Inventors: Travis Harrison Kroll Green, Avery Pennarun
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Publication number: 20160042330Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.Type: ApplicationFiled: August 10, 2015Publication date: February 11, 2016Inventors: Narelle Cozens, Michael DePasquale, Travis Harrison Kroll Green, Boris Mizhen, Josh Ostrow, Avery Pennarun, Hoai Nguyen, Peter Schmitt
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Patent number: 9123038Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.Type: GrantFiled: January 6, 2014Date of Patent: September 1, 2015Assignee: GOOGLE INC.Inventors: Narelle Cozens, Michael DePasquale, Travis Harrison Kroll Green, Boris Mizhen, Josh Ostrow, Avery Pennarun, Hoai Nguyen, Peter Schmitt
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Publication number: 20140279457Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.Type: ApplicationFiled: May 16, 2013Publication date: September 18, 2014Applicant: GOOGLE INC.Inventors: Travis Harrison Kroll Green, Michael DePasquale, Boris Mizhen, Josh Ostrow, Peter Schmitt, Kevin Michael Bierhoff, Alevtina Stolpnik, Avery Pennarun, Narelle Cozens
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Patent number: 8788420Abstract: The invention provides a computer-implemented method for generating a risk rating for a peer-to-peer transaction. The method comprises receiving a request to generate a risk rating for a proposed peer-to-peer financial transaction; identifying information associated with a plurality of previous peer-to-peer transactions of the payor; identifying one or more of the previous peer-to-peer transactions that are related to the proposed transaction; assigning a score to each of the related peer-to-peer transactions, the score being based at least in part on a determination of a level of success of each of the related peer-to-peer transactions; determining the risk rating for the proposed transaction based on the scores assigned to the transactions related to the proposed transaction; determining a payor risk rating for the payor; adjusting the risk rating for the proposed transaction based on the payor risk rating of the payor; and presenting the risk rating for the proposed transaction.Type: GrantFiled: October 15, 2012Date of Patent: July 22, 2014Assignee: Google Inc.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Avery Pennarun, Peter Schmitt, Michael DePasquale, Boris Mizhen
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Publication number: 20140156521Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.Type: ApplicationFiled: January 6, 2014Publication date: June 5, 2014Applicant: GOOGLE INC.Inventors: Narelle Cozens, Michael DePasquale, Travis Harrison Kroll Green, Boris Mizhen, Josh Ostrow, Avery Pennarun, Hoai Nguyen, Peter Schmitt
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Patent number: 8738522Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.Type: GrantFiled: April 15, 2013Date of Patent: May 27, 2014Assignee: Google Inc.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Avery Pennarun, Peter Schmitt, Michael DePasquale, Boris Mizhen
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Patent number: 8700526Abstract: Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor.Type: GrantFiled: December 5, 2012Date of Patent: April 15, 2014Assignee: Google Inc.Inventors: Narelle Cozens, Michael DePasquale, Travis Harrison Kroll Green, Boris Mizhen, Josh Ostrow, Avery Pennarun, Hoai Nguyen, Peter Schmitt
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Publication number: 20140074709Abstract: A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account.Type: ApplicationFiled: September 10, 2012Publication date: March 13, 2014Applicant: GOOGLE INC.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Peter Schmitt, Michael DePasquale, Avery Pennarun, Boris Mizhen
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Publication number: 20130332357Abstract: The invention provides a computer-implemented method for using the social networking content of a user to determine authentication levels required for a peer-to-peer transaction. A user inputs transaction counter-party and transaction details into a payment application. The information can be transmitted to a server located in a peer-to-peer payment system. The system may search the social network content of the user to determine the account information of the counter-party and to assess the security risk of the counter-party according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include the counter-party's status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The system may determine the level of transaction authentication required to process the transaction. The user may enter the authentication data to complete the transaction.Type: ApplicationFiled: June 6, 2012Publication date: December 12, 2013Applicant: Google Inc.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Avery Pennarun, Peter Schmitt, Michael DePasquale, Boris Mizhen
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Publication number: 20130262239Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.Type: ApplicationFiled: April 15, 2013Publication date: October 3, 2013Applicant: Google Inc.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Avery Pennarun, Peter Schmitt, Michael DePasquale, Boris Mizhen
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Publication number: 20130262294Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.Type: ApplicationFiled: March 30, 2012Publication date: October 3, 2013Applicant: GOOGLE INC.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Peter Schmitt, Michael DePasquale, Avery Pennarun, Boris Mizhen
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Patent number: 8423459Abstract: A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.Type: GrantFiled: March 30, 2012Date of Patent: April 16, 2013Assignee: Google Inc.Inventors: Travis Harrison Kroll Green, Narelle Cozens, Avery Pennarun, Peter Schmitt, Michael DePasquale, Boris Mizhen
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Patent number: 7043716Abstract: A system and method of translating an abstract notation of an application to a series of sub-applications representing a central application. Also described is a multi-tier application system for generating the central application for deployment on a predetermined combination of selected components. The system comprises an abstract notation description file to contain data for the central application. The system also has an application editor for entering a selected set of input parameters to provide the data, and an application generator for transforming the data from the abstract notation to a selected platform notation corresponding to the selected components. The selected notation is contained in the central application, wherein the deployment of the central application monitors the communication of component data between the selected components. The sub-application can be generated for a variety of computer platforms or languages for deployment on an n-tier system, as directed by the intended components.Type: GrantFiled: June 13, 2001Date of Patent: May 9, 2006Assignee: Arius Software CorporationInventors: Adam Zimmer, Michael Neame, Avery Pennarun
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Publication number: 20030221094Abstract: A computer system and system for configuring a computer is provided, particularly for computers coupled to a server on a network. A base operating system (OS) kernel is booted for execution by the computer, the base OS defining a kernelspace. A configuration application is booted for execution by the computer to manage the configuration, the configuration application defining a space between the kernelspace and a userspace defined by an OS distribution to be booted by said configuration. The configuration application may be directed by configuration information retrieved for said computer from a memory device coupled to the computer. The configuration information may be stored remotely and programmed for a particular computer using, for example, a configuration utility application. The configuration information can direct the specific computer to obtain a particular OS distribution stored on a network device coupled to the computer.Type: ApplicationFiled: April 17, 2003Publication date: November 27, 2003Inventor: Avery Pennarun
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Publication number: 20030051226Abstract: A system and method of translating an abstract notation of an application to a series of sub-applications representing a central application. Also described is a multi-tier application system for generating the central application for deployment on a predetermined combination of selected components. The system comprises an abstract notation description file to contain data for the central application. The system also has an application editor for entering a selected set of input parameters to provide the data, and an application generator for transforming the data from the abstract notation to a selected platform notation corresponding to the selected components. The selected notation is contained in the central application, wherein the deployment of the central application monitors the communication of component data between the selected components. The sub-application can be generated for a variety of computer platforms or languages for deployment on an n-tier system, as directed by the intended components.Type: ApplicationFiled: June 13, 2001Publication date: March 13, 2003Inventors: Adam Zimmer, Michael Neame, Avery Pennarun