Patents by Inventor Charles Kirk

Charles Kirk 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: 12568124
    Abstract: This disclosure describes embodiments of systems, methods, and non-transitory computer-readable storage media that can solve one or more of the foregoing (or other problems) in the art in addition to providing other benefits by applying customized security limitations to a secure digital account, and removing the security limitations based on efficiently verifying personal identity information associated with the secure digital account. For example, the disclosed system can receive a user interaction associated with a secure digital account and determine a fraud risk score corresponding to the interaction. The system can then assign the secure digital account a security tier and apply appropriate security limitations based on the security tier that corresponds with a determined risk of fraud.
    Type: Grant
    Filed: October 10, 2023
    Date of Patent: March 3, 2026
    Assignee: Chime Financial, Inc.
    Inventors: Joe Levering, Ryan Bahniuk, Lace Cheung, Kevin Shu, Jocelyn Takahashi, Dain Hall, Jeremy Steinberg, Varun Rai, Charles Kirk
  • Patent number: 12367469
    Abstract: Techniques for configuring a point of sale (POS) system may include using an optical sensing module to read an identifier associated with a POS component and associating the POS component with a zone that is monitored by the optical sensing module, where the zone includes the POS system. In response to optically sensing the identifier, the system may automatically configure the component to function within the POS system.
    Type: Grant
    Filed: November 14, 2022
    Date of Patent: July 22, 2025
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventors: David Steiner, Charles Kirk, Steven Low, Nancy Yaguda
  • Publication number: 20250047711
    Abstract: This disclosure describes a security elevation system that, as part of an inter-network facilitation system, can generate elevated security challenges adapted to requested network events using a security challenge platform that is agnostic to challenge type, vendor network, and network event. For example, the disclosed systems can utilize the security challenge platform to generate and distribute elevated security challenges for network events that warrant elevated client device interaction (e.g., beyond initial login interactions or other interactions). In some cases, the disclosed systems can utilize a logic platform to determine whether a network event warrants or necessitates elevated security considerations (e.g., for network events that transmit sensitive data) and can further utilize a security challenge platform to generate and provide a corresponding elevated security challenge specific to the network event.
    Type: Application
    Filed: August 1, 2023
    Publication date: February 6, 2025
    Inventors: Varun Rai, Lace Cheung, Jeremy Steinberg, Ryan Bahniuk, Charles Kirk, Dain Hall, Jocelyn Takahashi, Joe Levering, Kevin Shu
  • Publication number: 20240121276
    Abstract: This disclosure describes embodiments of systems, methods, and non-transitory computer-readable storage media that can solve one or more of the foregoing (or other problems) in the art in addition to providing other benefits by applying customized security limitations to a secure digital account, and removing the security limitations based on efficiently verifying personal identity information associated with the secure digital account. For example, the disclosed system can receive a user interaction associated with a secure digital account and determine a fraud risk score corresponding to the interaction. The system can then assign the secure digital account a security tier and apply appropriate security limitations based on the security tier that corresponds with a determined risk of fraud.
    Type: Application
    Filed: October 10, 2023
    Publication date: April 11, 2024
    Inventors: Joe Levering, Ryan Bahniuk, Lace Cheung, Kevin Shu, Jocelyn Takahashi, Dain Hall, Jeremy Steinberg, Varun Rai, Charles Kirk
  • Publication number: 20230075401
    Abstract: Techniques for configuring a point of sale (POS) system may include using an optical sensing module to read an identifier associated with a POS component and associating the POS component with a zone that is monitored by the optical sensing module, where the zone includes the POS system. In response to optically sensing the identifier, the system may automatically configure the component to function within the POS system.
    Type: Application
    Filed: November 14, 2022
    Publication date: March 9, 2023
    Inventors: David STEINER, Charles KIRK, Steven LOW, Nancy YAGUDA
  • Patent number: 11501275
    Abstract: Techniques for configuring a point of sale (POS) system may include using an optical sensing module to read an identifier associated with a POS component and associating the POS component with a zone that is monitored by the optical sensing module, where the zone includes the POS system. In response to optically sensing the identifier, the system may automatically configure the component to function within the POS system.
    Type: Grant
    Filed: April 5, 2019
    Date of Patent: November 15, 2022
    Assignee: Toshiba Global Commerce Solutions Holdings Corporation
    Inventors: David Steiner, Charles Kirk, Steven Low, Nancy Yaguda
  • Publication number: 20200320496
    Abstract: Techniques for configuring a point of sale (POS) system may include using an optical sensing module to read an identifier associated with a POS component and associating the POS component with a zone that is monitored by the optical sensing module, where the zone includes the POS system. In response to optically sensing the identifier, the system may automatically configure the component to function within the POS system.
    Type: Application
    Filed: April 5, 2019
    Publication date: October 8, 2020
    Inventors: David STEINER, Charles KIRK, Steven LOW, Nancy YAGUDA
  • Publication number: 20060087474
    Abstract: A system and method for monitoring location based service emitter infrastructure. Beacon data is stored, the beacon data transmitted by beacons in an area and detected by a client device that is moved along a path at the location. The beacon data along the path of the client device is analyzed to determine whether any of the detected beacons have failed.
    Type: Application
    Filed: October 27, 2004
    Publication date: April 27, 2006
    Inventors: Phuc Do, Justin Pierce, Richard Shryock, Charles Kirk, Eugene Maximilien
  • Publication number: 20050033704
    Abstract: A method and system for automatically verifying a signature during a retail payment transaction is disclosed. Aspects of the invention include obtaining an electronic signature of a cardholder, and using an electronic signature verification process to automatically verify the electronic signature. The present invention further includes requiring a point-of-sale (POS) operator to manually verify the electronic signature only when an exception occurs during the electronic signature verification.
    Type: Application
    Filed: August 4, 2003
    Publication date: February 10, 2005
    Applicant: International Business Machines Corporation
    Inventor: Charles Kirk
  • Patent number: 6796994
    Abstract: Apparatus is provided for the treatment of a medical condition, such as mucositis in patients who are undergoing cancer treatment. The apparatus has several embodiments. In each embodiment, an array of optoelectronic devices, such as light-emitting diodes (LEDs), is used to provide a uniform emission of monochromatic light while producing a minimal amount of heat. The LEDs may be cooled in several ways. The treatments are typically of a very short duration. In several embodiments, selected portions of the patient are treated using a hand-held or stationary lamp. In other embodiments, the entire gastrointestinal tract may be treated simultaneously.
    Type: Grant
    Filed: February 18, 2002
    Date of Patent: September 28, 2004
    Assignee: Quantum Devices, Inc.
    Inventors: Ronald W. Ignatius, Todd S. Martin, Charles Kirk
  • Publication number: 20020120312
    Abstract: Apparatus is provided for the treatment of a medical condition, such as mucositis in patients who are undergoing cancer treatment. The apparatus has several embodiments. In each embodiment, an array of optoelectronic devices, such as light-emitting diodes (LEDs), is used to provide a uniform emission of monochromatic light while producing a minimal amount of heat. The LEDs may be cooled in several ways. The treatments are typically of a very short duration. In several embodiments, selected portions of the patient are treated using a hand-held or stationary lamp. In other embodiments, the entire gastrointestinal tract may be treated simultaneously.
    Type: Application
    Filed: February 18, 2002
    Publication date: August 29, 2002
    Inventors: Ronald W. Ignatius, Todd S. Martin, Charles Kirk