Patents by Inventor Bradley Wilkes

Bradley Wilkes 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).

  • Publication number: 20170330202
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Application
    Filed: July 28, 2017
    Publication date: November 16, 2017
    Inventor: Bradley Wilkes
  • Patent number: 9721235
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). The transaction provider may keep records of ownership transfers and/or may provide datastructures for tracking payments (e.g., invoice datastructures). Information about each PEAC note be publically available through the transaction provider.
    Type: Grant
    Filed: May 26, 2010
    Date of Patent: August 1, 2017
    Assignee: CapitalWill LLC
    Inventor: Bradley Wilkes
  • Patent number: 9721261
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Grant
    Filed: March 12, 2012
    Date of Patent: August 1, 2017
    Assignee: CapitalWill, LLC
    Inventor: Bradley Wilkes
  • Patent number: 8706626
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and an asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). The transfer of a PEAC note may be tied to one or more transfer conditions. A PEAC note may be provisionally transferred from a first entity to a second entity subject to one or more transfer conditions. When the transfer conditions are met, the PEAC note may be permanently transferred to the second entity.
    Type: Grant
    Filed: March 15, 2013
    Date of Patent: April 22, 2014
    Inventor: Bradley Wilkes
  • Patent number: 8630951
    Abstract: Virtual currency notes may be derived from one or more currency notes deposited at a currency reserve and/or from an asset held by a depository institution. A transaction provider may provide for ownership and/or transfer of the notes by various entities. Ownership of virtual currency notes may be transferred between entities while the depository institution maintains the asset associated therewith. A virtual currency note may be transferred to a transfer account, which may cause an amount equivalent to the virtual currency note to be deposited therein. After the transfer to a transfer account, the transferred virtual currency note may be removed from electronic circulation and/or transferred to another entity.
    Type: Grant
    Filed: December 22, 2009
    Date of Patent: January 14, 2014
    Assignee: Capitalwill LLC
    Inventor: Bradley Wilkes
  • Publication number: 20130218763
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and an asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). The transfer of a PEAC note may be tied to one or more transfer conditions. A PEAC note may be provisionally transferred from a first entity to a second entity subject to one or more transfer conditions. When the transfer conditions are met, the PEAC note may be permanently transferred to the second entity.
    Type: Application
    Filed: March 15, 2013
    Publication date: August 22, 2013
    Inventor: Bradley Wilkes
  • Patent number: 8396792
    Abstract: In a system where a merchant conducts transactions on behalf of more than one entity, a method is provided for dynamically selecting a merchant account name. A merchant acting on behalf of a business entity conducts a transaction with a cardholder. An acquirer receives information for processing the financial card transaction. The acquirer generates a merchant account name that identifies the entity for which the merchant is conducting the transaction. The merchant account name is specified based on transmittal information and the merchant account name is associated with the transaction.
    Type: Grant
    Filed: September 10, 2003
    Date of Patent: March 12, 2013
    Assignee: Propay USA. Inc.
    Inventors: W. Bradley Wilkes, Dan Roper
  • Publication number: 20120317032
    Abstract: Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.
    Type: Application
    Filed: August 21, 2012
    Publication date: December 13, 2012
    Applicant: PROPAY USA, INC.
    Inventor: W. Bradley Wilkes
  • Patent number: 8306910
    Abstract: One or more currency notes deposited at a currency reserve may be electronically circulated by a transaction provider. The transaction provider may maintain a record of the ownership status of the one or more currency notes in a computer-readable storage medium. The transaction provider may provide for an entity to obtain ownership of a currency notes. The entity may submit a request to the transaction provider to transfer a currency note to another entity. The transaction provider may authorize the request, and may perform the transfer if the request is authorized. The transfer of ownership may take place while maintaining the physical currency note in the currency reserve. A record of the transaction may be stored by the transaction provider and/or transmitted to the parties to the transfer. The transaction provider may allow for the exchange or currency notes into other denomination and/or currency types.
    Type: Grant
    Filed: May 26, 2009
    Date of Patent: November 6, 2012
    Assignee: Capital Will LLC
    Inventor: Bradley Wilkes
  • Patent number: 8280809
    Abstract: Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.
    Type: Grant
    Filed: December 15, 2010
    Date of Patent: October 2, 2012
    Assignee: ProPay USA, Inc.
    Inventor: W. Bradley Wilkes
  • Publication number: 20120185395
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith their respective custodian(s). A PEAC note may be tied to one or more usage conditions, which restrict transfers thereof. The usage conditions may be removed when release conditions are satisfied.
    Type: Application
    Filed: March 12, 2012
    Publication date: July 19, 2012
    Applicant: CAPITALWILL LLC
    Inventor: Bradley Wilkes
  • Publication number: 20120078693
    Abstract: Persistent, electronically anchored currency notes (PEAC notes) may be generated by a transaction provider and maintained in a datastore. Each PEAC note may be associated with a respective unique identifier and asset held by a custodian. The transaction provider may provide for assigning ownership of the PEAC notes to various entities and/or transferring ownership therebetween. Ownership transfers may be performed by the transaction provider while maintaining the PEAC notes in the datastore and/or maintaining the asset(s) associated therewith with their respective custodian(s). The transaction provider may keep records of ownership transfers and/or may provide datastructures for tracking payments (e.g., invoice datastructures). Information about each PEAC note be publically available through the transaction provider.
    Type: Application
    Filed: May 26, 2010
    Publication date: March 29, 2012
    Applicant: CapitalWill LLC
    Inventor: Bradley Wilkes
  • Publication number: 20110087590
    Abstract: Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.
    Type: Application
    Filed: December 15, 2010
    Publication date: April 14, 2011
    Applicant: PROPAY USA, INC.
    Inventor: W. Bradley Wilkes
  • Patent number: 7856399
    Abstract: Systems and methods for linking a merchant card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.
    Type: Grant
    Filed: February 5, 2003
    Date of Patent: December 21, 2010
    Assignee: Propay USA. Inc.
    Inventor: W. Bradley Wilkes
  • Publication number: 20100306087
    Abstract: One or more currency notes deposited at a currency reserve may be electronically circulated by a transaction provider. The transaction provider may maintain a record of the ownership status of the one or more currency notes in a computer-readable storage medium. The transaction provider may provide for an entity to obtain ownership of a currency notes. The entity may submit a request to the transaction provider to transfer a currency note to another entity. The transaction provider may authorize the request, and may perform the transfer if the request is authorized. The transfer of ownership may take place while maintaining the physical currency note in the currency reserve. A record of the transaction may be stored by the transaction provider and/or transmitted to the parties to the transfer. The transaction provider may allow for the exchange or currency notes into other denomination and/or currency types.
    Type: Application
    Filed: May 26, 2009
    Publication date: December 2, 2010
    Inventor: Bradley Wilkes
  • Publication number: 20100306092
    Abstract: Virtual currency notes may be derived from one or more currency notes deposited at a currency reserve and/or from an asset held by a depository institution. A transaction provider may provide for ownership and/or transfer of the notes by various entities. Ownership of virtual currency notes may be transferred between entities while the depository institution maintains the asset associated therewith. A virtual currency note may be transferred to a transfer account, which may cause an amount equivalent to the virtual currency note to be deposited therein. After the transfer to a transfer account, the transferred virtual currency note may be removed from electronic circulation and/or transferred to another entity.
    Type: Application
    Filed: December 22, 2009
    Publication date: December 2, 2010
    Inventor: Bradley Wilkes
  • Patent number: 6853984
    Abstract: A method and apparatus for making credit card transactions which includes utilizing a facsimile machine for transmitting credit card information and purchase amount to an information processing center. The information processing center receives and converts the received information into an electronic format, and then accesses credit card account information via the Internet. A final disposition of the purchase is then transmitted to the merchant via facsimile which is either approval or disapproval of the transaction.
    Type: Grant
    Filed: April 8, 1997
    Date of Patent: February 8, 2005
    Assignee: Propay U.S.A., Inc.
    Inventor: W. Bradley Wilkes
  • Publication number: 20040153399
    Abstract: Systems and methods for linking a merchant card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.
    Type: Application
    Filed: February 5, 2003
    Publication date: August 5, 2004
    Inventor: W. Bradley Wilkes
  • Patent number: 6422287
    Abstract: An apparatus and method for a slide/swing patio door including a frame having a first panel pivotally mounted on the frame and a second panel slidingly mounted in the frame in a plane adjacent to the first panel. The second panel slides toward the first panel until they are substantially congruent, at which time the first and second panels can be selectively moved out of the frame around a pivot of the first panel. Another embodiment includes a latch to couple the first panel and the second panel together before the panels can be moved around the pivot. An additional embodiment provides a lock pin mounted on the first panel configured to engage a box staple mounted on the frame. In addition, another embodiment further includes a guide mounted on the first panel aligned to engage the second panel, wherein the second panel is guided alongside of the first panel and supported by the guide on the first panel during movement around the pivot.
    Type: Grant
    Filed: July 10, 2000
    Date of Patent: July 23, 2002
    Inventor: James Bradley Wilke