Patents by Inventor Carol Realini

Carol Realini 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).

  • Patent number: 7873573
    Abstract: A virtual pooled account is used in operating a system having multiple financial partners. In a specific implementation, the system is a mobile banking system. Instead of maintaining separate general ledgers for each financial institution, the system will keep one general virtual pooled account. This will reduce the settlement and operational costs of the system. The owner of the virtual pooled account will receive the float on the virtual pooled account, and this float will be distributed to the multiple financial partners according to a formula.
    Type: Grant
    Filed: March 30, 2007
    Date of Patent: January 18, 2011
    Assignee: Obopay, Inc.
    Inventor: Carol Realini
  • Publication number: 20090319425
    Abstract: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
    Type: Application
    Filed: May 21, 2009
    Publication date: December 24, 2009
    Applicant: OBOPAY, INC.
    Inventors: John Tumminaro, Carol Realini, Pete Hosokawa, David Schwartz, Sam Shawki, Nirav Shah
  • Publication number: 20090119190
    Abstract: A virtual pooled account is used in operating a system having multiple financial partners. In a specific implementation, the system is a mobile banking system. Instead of maintaining separate general ledgers for each financial institution, the system will keep one general virtual pooled account. This will reduce the settlement and operational costs of the system. The owner of the virtual pooled account will receive the float on the virtual pooled account, and this float will be distributed to the multiple financial partners according to a formula.
    Type: Application
    Filed: March 30, 2007
    Publication date: May 7, 2009
    Applicant: Obopay Inc.
    Inventor: Carol Realini
  • Publication number: 20070255652
    Abstract: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
    Type: Application
    Filed: March 30, 2007
    Publication date: November 1, 2007
    Applicant: Obopay Inc.
    Inventors: John Tumminaro, Carol Realini, Pete Hosokawa, David Schwartz, Hesham Shawki, Nirav Shah
  • Publication number: 20070255653
    Abstract: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
    Type: Application
    Filed: March 30, 2007
    Publication date: November 1, 2007
    Applicant: OBOPAY INC.
    Inventors: John Tumminaro, Carol Realini, Pete Hosokawa, David Schwartz, Sam Shawki, Nirav Shah