Patents by Inventor Charles Golvin

Charles Golvin 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: 9928491
    Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.
    Type: Grant
    Filed: February 14, 2017
    Date of Patent: March 27, 2018
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ronald King-Hang Chu, Charles Golvin, Peter Tompkins
  • Patent number: 9607292
    Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.
    Type: Grant
    Filed: January 12, 2012
    Date of Patent: March 28, 2017
    Assignee: Citicorp Credit Services, Inc. (USA)
    Inventors: Joseph C. Kawan, Ronald King-Hang Chu, Charles Golvin, Peter Tompkins
  • Patent number: 8117125
    Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.
    Type: Grant
    Filed: June 9, 2000
    Date of Patent: February 14, 2012
    Assignee: Citicorp Developement Center, Inc.
    Inventors: Joseph C. Kawan, Ronald King-Hang Chu, Charles Golvin, Peter Tompkins
  • Patent number: 6970836
    Abstract: A system and method for securely storing data provides for storing, managing, and updating an owner's secret data and for accessing the stored data by a trusted third party upon the occurrence of an event, such as the death of the owner. The system and method makes use of application software, such as a virtual wallet running at least in part on the server of a trusted third party and with a virtual executor function and a virtual archivist function. The virtual executor function automatically escrows a trusted third party's access aspect of the owner's secret device for accessing the stored data. Upon verification of the occurrence of the event, the virtual executor provides access to the stored data using the trusted third party's access aspect. The virtual archivist function automatically updates technologies related to the stored data.
    Type: Grant
    Filed: April 14, 1999
    Date of Patent: November 29, 2005
    Assignee: Citicorp Development Center, Inc.
    Inventors: Cris T. Paltenghe, Alnoor B. Mamdani, Lisa Ezrol, Charles Golvin, Henry Lichstein, Melvin Michio Takata
  • Publication number: 20020004783
    Abstract: The present invention provides apparatus, methods and systems for information and financial banking. Apparatus of the present invention include virtual wallets which allow for information and financial banking including payment mechanisms; identity authentication mechanisms; personal information; and electronic artifacts. Methods and systems of the present invention include information and financial banking methods utilizing virtual wallets. A preferred virtual wallet comprises a locally residing portion and a server residing portion. An interface is provided for communication between the two portions of the wallet.
    Type: Application
    Filed: November 12, 1998
    Publication date: January 10, 2002
    Inventors: CRIS T. PALTENGHE, ALNOOR B. MAMDANI, CHARLES GOLVIN, HENRY LICHSTEIN, DAVID SOLO, JACK PAN, MELVIN M. TAKATA