Patents by Inventor Charles T. Fote

Charles T. Fote 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: 20230385784
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment making, causing to be made, routing and/or clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source's server to cause the payment to be made to payer-selected or approved real account(s) of the payee, or otherwise to the payee, without divulging the payer-selected funding source(s) and payer-selected real account(s) of the payer to the payee's depository bank or financial institution and/or to the payee.
    Type: Application
    Filed: August 4, 2023
    Publication date: November 30, 2023
    Applicant: Fotec Group LLC
    Inventor: Charles T. FOTE
  • Publication number: 20220230759
    Abstract: A patient's health is modeled through multiple scenarios. A base model incorporates rules that govern a response by a human being to one or more diseases, as well as a relation between health metrics and the diseases. Health attributes of the patient are obtained. From the base model and the health attributes, a patient model is generated. The patient model is modeled under different parameters to generate health metrics. From an analysis of the parameters and the resulting health metrics, occurrence probabilities for each of the sets of parameters are determined. Risks are identified, which indicate a likelihood of the patient transitioning from the initial state to an adverse outcome such as a diseased state. A report provides a diagnosis of the patient and one or more remedies/interventions that are predicted, based on the plural sets of parameters and resulting health metrics, to avoid or prevent an adverse outcome.
    Type: Application
    Filed: April 6, 2022
    Publication date: July 21, 2022
    Inventors: Nabil A. Abu El Ata, Annie Drucbert, Tomy Abu El Ata, Charles T. Fote, Stephen H. Wells
  • Publication number: 20220076216
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment making, causing to be made, routing and/or clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source's server to cause the payment to be made to payer-selected or approved real account(s) of the payee, or otherwise to the payee, without divulging the payer-selected funding source(s) and payer-selected real account(s) of the payer to the payee's depository bank or financial institution and/or to the payee.
    Type: Application
    Filed: November 19, 2021
    Publication date: March 10, 2022
    Inventor: Charles T. FOTE
  • Publication number: 20150100491
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment making, causing to be made, routing and/or clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source's server to make or cause the payment to be made to payer-selected or approved real account(s) of the payee, or otherwise to the payee, without divulging the payer-selected funding source(s) and/or account(s) to the payee.
    Type: Application
    Filed: October 8, 2013
    Publication date: April 9, 2015
    Inventor: Charles T. Fote
  • Publication number: 20150095236
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee.
    Type: Application
    Filed: December 11, 2014
    Publication date: April 2, 2015
    Inventors: Charles T. Fote, Yaacov Apelbaum, Charles O'Rourke
  • Publication number: 20140229382
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee.
    Type: Application
    Filed: March 18, 2014
    Publication date: August 14, 2014
    Inventor: Charles T. Fote
  • Publication number: 20120259781
    Abstract: In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee.
    Type: Application
    Filed: April 9, 2012
    Publication date: October 11, 2012
    Inventors: Charles T. Fote, Charles O'Rourke, Yaacov Apelbaum