Patents by Inventor Colin Fleming

Colin Fleming 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).

  • Split tender in a prepaid architecture
    Patent number: 10592884
    Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
    Type: Grant
    Filed: December 7, 2017
    Date of Patent: March 17, 2020
    Assignee: Google LLC
    Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
  • SPLIT TENDER IN A PREPAID ARCHITECTURE
    Publication number: 20180150821
    Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
    Type: Application
    Filed: December 7, 2017
    Publication date: May 31, 2018
    Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
  • Split tender in a prepaid architecture
    Patent number: 9870556
    Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
    Type: Grant
    Filed: December 26, 2013
    Date of Patent: January 16, 2018
    Assignee: GOOGLE LLC
    Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming
  • SPLIT TENDER IN A PREPAID ARCHITECTURE
    Publication number: 20140351072
    Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.
    Type: Application
    Filed: December 26, 2013
    Publication date: November 27, 2014
    Applicant: Google Inc.
    Inventors: Bobby Wieler, Harry Lee Butler, IV, Colin Fleming