Patents by Inventor Barrington Riverton Saint Aloysius Young

Barrington Riverton Saint Aloysius Young 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).

  • Systems and methods for payment at a point of sale
    Patent number: 11715080
    Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.
    Type: Grant
    Filed: July 15, 2020
    Date of Patent: August 1, 2023
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman
  • Systems and methods for payment at a point of sale
    Patent number: 10755256
    Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.
    Type: Grant
    Filed: December 22, 2017
    Date of Patent: August 25, 2020
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman
  • Systems and methods for payment at a point of sale
    Patent number: 9864981
    Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.
    Type: Grant
    Filed: December 12, 2016
    Date of Patent: January 9, 2018
    Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
    Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman
  • Systems and methods for payment at a point of sale using a virtual check
    Patent number: 8255278
    Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account. A confirmation of the transfer may be provided to the merchant and the purchaser, after which, the transaction may be completed at the merchant POS device where a receipt is printed and provided to the purchaser.
    Type: Grant
    Filed: March 23, 2009
    Date of Patent: August 28, 2012
    Assignee: United Services Automobile Association
    Inventors: Barrington Riverton Saint Aloysius Young, Bharat Prasad, Bradly Jay Billman