Patents by Inventor Christopher E. Lewis
Christopher E. Lewis 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).
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Patent number: 9292852Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary receives an authorization request generated based on a transaction initiated by a customer at a point of purchase. The intermediary service then determines one or more stored value items that can be applied to the transaction. Stored value items may be determined based on the customer's identity or based on transaction characteristics, such as the point of purchase or the transaction items. The service sends a transaction notification to a mobile device associated with the customer to notify the customer of the available stored value items. The service then applies the stored value items to pay a portion of the transaction amount and initiates a payment process to pay the remainder of the transaction amount.Type: GrantFiled: August 18, 2010Date of Patent: March 22, 2016Assignee: FonWallet Transactions Solutions, Inc.Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Patent number: 8370265Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service enables a customer to selectively change the status of an account's associated with a payment instrument by activating or deactivating the account. The intermediary service may manage account status locally using a rules module. Alternatively, the issuing institution may manage account status, while the intermediary service provides an interface for customers. A customer communicates with the intermediary service to direct the service to change the account status. The intermediary service determines the account's issuing institution and provides an indication to the issuing institution of the current status of the account (or of the change in status).Type: GrantFiled: August 18, 2010Date of Patent: February 5, 2013Assignee: FonWallet Transaction Solutions, Inc.Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Patent number: 8280776Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary receives an authorization request generated based on a transaction initiated by a customer at a point of purchase. The intermediary provides a rules module that stores a set of rules for processing transactions. Each rule specifies one or more conditions to be tested and one or more actions to be executed based on the test. For each authorization request, the system determines the applicable rules and tests conditions for each rule prior to the transaction. Based on the results of the test, the system executes an associated action. Conditions may be specified based on transaction information, customer information, or other information. Actions define the system's response to a particular result in testing a condition.Type: GrantFiled: August 18, 2010Date of Patent: October 2, 2012Assignee: Fon Wallet Transaction Solutions, Inc.Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Patent number: 8244643Abstract: An acquirer communicates with an intermediary transaction processing service to handle financial transaction requests received from multiple points of purchase. The acquirer receives an initial authorization request generated based on a transaction initiated by a customer at a point of purchase. The initial authorization request includes unique identifying information associated with the customer. The acquirer determines that the unique identifying information is associated with the intermediary service and provides at least part of the initial authorization request to the intermediary service. In response, the intermediary service provides account information to the acquirer. The acquirer then generates a modified authorization request based on the initial authorization request and the received account information and transmits the modified authorization to an issuing institution to request approval of the transaction.Type: GrantFiled: September 10, 2009Date of Patent: August 14, 2012Assignee: FonWallet Transaction Solutions, Inc.Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis
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Patent number: 8099368Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service utilizes a customer's mobile device as an out-of-band communication channel to notify a customer of a received financial transaction request. To send the notification, the intermediary service retrieves stored customer information, including an address of the customer's mobile device and a list of payment instruments that can be used to pay for the transaction. Before continuing to process the received financial transaction request, the service may first require the customer to confirm the transaction via the mobile device. The intermediary service retrieves financial account information associated with the customer from issuing institutions, and, if the transaction is confirmed, provides the account information to acquirers in order to allow transactions to be processed.Type: GrantFiled: September 10, 2009Date of Patent: January 17, 2012Assignee: FonWallet Transaction Solutions, Inc.Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis
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Publication number: 20100312636Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary receives an authorization request generated based on a transaction initiated by a customer at a point of purchase. The intermediary service then determines one or more stored value items that can be applied to the transaction. Stored value items may be determined based on the customer's identity or based on transaction characteristics, such as the point of purchase or the transaction items. The service sends a transaction notification to a mobile device associated with the customer to notify the customer of the available stored value items. The service then applies the stored value items to pay a portion of the transaction amount and initiates a payment process to pay the remainder of the transaction amount.Type: ApplicationFiled: August 18, 2010Publication date: December 9, 2010Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Publication number: 20100312700Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service enables a customer to selectively change the status of an account's associated with a payment instrument by activating or deactivating the account. The intermediary service may manage account status locally using a rules module. Alternatively, the issuing institution may manage account status, while the intermediary service provides an interface for customers. A customer communicates with the intermediary service to direct the service to change the account status. The intermediary service determines the account's issuing institution and provides an indication to the issuing institution of the current status of the account (or of the change in status).Type: ApplicationFiled: August 18, 2010Publication date: December 9, 2010Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Publication number: 20100312657Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary receives an authorization request generated based on a transaction initiated by a customer at a point of purchase. The intermediary provides a rules module that stores a set of rules for processing transactions. Each rule specifies one or more conditions to be tested and one or more actions to be executed based on the test. For each authorization request, the system determines the applicable rules and tests conditions for each rule prior to the transaction. Based on the results of the test, the system executes an associated action. Conditions may be specified based on transaction information, customer information, or other information. Actions define the system's response to a particular result in testing a condition.Type: ApplicationFiled: August 18, 2010Publication date: December 9, 2010Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
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Publication number: 20100121767Abstract: A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service utilizes a customer's mobile device as an out-of-band communication channel to notify a customer of a received financial transaction request. To send the notification, the intermediary service retrieves stored customer information, including an address of the customer's mobile device and a list of payment instruments that can be used to pay for the transaction. Before continuing to process the received financial transaction request, the service may first require the customer to confirm the transaction via the mobile device. The intermediary service retrieves financial account information associated with the customer from issuing institutions, and, if the transaction is confirmed, provides the account information to acquirers in order to allow transactions to be processed.Type: ApplicationFiled: September 10, 2009Publication date: May 13, 2010Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis
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Publication number: 20100121726Abstract: An acquirer communicates with an intermediary transaction processing service to handle financial transaction requests received from multiple points of purchase. The acquirer receives an initial authorization request generated based on a transaction initiated by a customer at a point of purchase. The initial authorization request includes unique identifying information associated with the customer. The acquirer determines that the unique identifying information is associated with the intermediary service and provides at least part of the initial authorization request to the intermediary service. In response, the intermediary service provides account information to the acquirer. The acquirer then generates a modified authorization request based on the initial authorization request and the received account information and transmits the modified authorization to an issuing institution to request approval of the transaction.Type: ApplicationFiled: September 10, 2009Publication date: May 13, 2010Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis
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Patent number: 5771878Abstract: A knob for a stove or range that has a releasable lock assembly which prevents a switch or valve of the range from being turned ON. The lock assembly has a pin movable between a lock position and a release position with a linear to rotational movement mechanism mounted in a housing joined to the body of the knob.Type: GrantFiled: October 21, 1996Date of Patent: June 30, 1998Inventors: Luke E. Lewis, Christopher E. Lewis
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Patent number: D378045Type: GrantFiled: September 25, 1995Date of Patent: February 18, 1997Inventors: Luke E. Lewis, Christopher E. Lewis