Patents by Inventor Douglas G. Brown
Douglas G. Brown 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: 11928664Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: GrantFiled: May 14, 2020Date of Patent: March 12, 2024Assignee: Fidelity Information Services, LLCInventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
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Patent number: 11540198Abstract: Systems and methods for ultra-high reliability (UHR) wireless communications systems and methods are disclosed. The disclosed UHR wireless communications systems and methods make the networked components on a communications infrastructure robust to interference caused by unintentional jamming, intermittent connectivity, weather, and physical barriers.Type: GrantFiled: March 15, 2021Date of Patent: December 27, 2022Assignee: National Technology & Engineering Solutions of Sandia, LLCInventors: John L. Russell, David A. Wiegandt, Dahlon D. Chu, Kevin Robbins, Douglas G. Brown, Dominic A. Perea, Loren E. Riblett, Jr.
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Publication number: 20210227445Abstract: Systems and methods for ultra-high reliability (UHR) wireless communications systems and methods are disclosed. The disclosed UHR wireless communications systems and methods make the networked components on a communications infrastructure robust to interference caused by unintentional jamming, intermittent connectivity, weather, and physical barriers.Type: ApplicationFiled: March 15, 2021Publication date: July 22, 2021Inventors: John L. Russell, David A. Wiegandt, Dahlon D. Chu, Kevin Robbins, Douglas G. Brown, Dominic A. Perea, Loren E. Riblett, JR.
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Patent number: 10952123Abstract: Systems and methods for ultra-high reliability (UHR) wireless communications systems and methods are disclosed. The disclosed UHR wireless communications systems and methods make the networked components on a communications infrastructure robust to interference caused by unintentional jamming, intermittent connectivity, weather, and physical barriers.Type: GrantFiled: July 28, 2016Date of Patent: March 16, 2021Assignee: National Technology & Engineering Solutions of Sandia, LLCInventors: John L. Russell, David A. Wiegandt, Dahlon D. Chu, Kevin Robbins, Douglas G. Brown, Dominic A. Perea, Loren E. Riblett, Jr.
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Patent number: 10814272Abstract: A flue gas desulfurization (FGD) system in which a buffering additive feed directly adds a buffering additive containing acetic acid to either the FGD sump or a stream of the system that is downstream of the sump. In a method for performing flue gas desulfurization, the buffering additive, containing acetic acid, is added to either the sump or the overflow. That is, the buffering additive is added to the FGD system separately from the alkaline feed slurry, which contains lime or limestone.Type: GrantFiled: February 20, 2020Date of Patent: October 27, 2020Assignee: CHEMTREAT, INC.Inventors: Dale P Stuart, Rajendra Prasad Kalakodimi, David N Karlovich, Curtis Seebaran, Douglas G Brown
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Publication number: 20200273016Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: ApplicationFiled: May 14, 2020Publication date: August 27, 2020Inventors: Hitesh BAJAJ, Douglas G. BROWN, Robert WOODBURY, Neil MARCOUS, Peter GORDON, Renee GOODHEART, Mark ELLIOT
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Publication number: 20200188848Abstract: A flue gas desulfurization (FGD) system in which a buffering additive feed directly adds a buffering additive containing acetic acid to either the FGD sump or a stream of the system that is downstream of the sump. In a method for performing flue gas desulfurization, the buffering additive, containing acetic acid, is added to either the sump or the overflow. That is, the buffering additive is added to the FGD system separately from the alkaline feed slurry, which contains lime or limestone.Type: ApplicationFiled: February 20, 2020Publication date: June 18, 2020Applicant: CHEMTREAT, INC.Inventors: Dale P STUART, Rajendra Prasad KALAKODIMI, David N KARLOVICH, Curtis SEEBARAN, Douglas G BROWN
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Patent number: 10510075Abstract: Systems and methods are provided that enable purchase and adjustment transactions using a visual indicium displayed on a mobile device. In some embodiments, these indicia are in the form of bar codes, include alias information, and do not include an account number associated with a payment account. A mobile device receives first user input, displays the indicium to a merchant device. The merchant device scans the indicium and sends a transaction request including the alias information to a payment network. The payment network determines an appropriate financial institution for processing the transaction, and sends the transaction request to the appropriate financial institution. Based on the result, the payment network sends an approval to the merchant device. Additionally, a mobile processor system sends new alias information to the mobile device for use in a next transaction.Type: GrantFiled: October 17, 2013Date of Patent: December 17, 2019Assignee: FIDELITY NATIONAL E-BANKING SERVICES, INC.Inventors: Hitesh Bajaj, Douglas G. Brown, Susan Hawkins
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Patent number: 9105143Abstract: Techniques for supporting a mobile financial service that enables a customers to enroll the customer's mobile phone number and register accounts are disclosed. A persistent authentication request is received from a customer, and the customer is authenticated based on authentication information provided by the customer. The customer enters a device identification of the communication device so that the device identification is registered and linked to the customer's profile. When the customer requests non-actionable information (e.g., account balance and transaction history information) by calling a customer service center with a registered communication device, the calling identification is provided to the customer service center by the incoming call. The customer service determines whether the calling identification corresponds to a registered number. If so, the customer service center provides the requested non-actionable information to the communication device without further authentication.Type: GrantFiled: March 30, 2009Date of Patent: August 11, 2015Assignee: Bank of America CorporationInventors: Margaret A. Huggins, Douglas G. Brown, Marc L. Warshawsky
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Publication number: 20150199671Abstract: Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.Type: ApplicationFiled: January 13, 2014Publication date: July 16, 2015Applicant: Fidelity National E-Banking Services, Inc.Inventors: Hitesh Bajaj, Douglas G. Brown, Robert Woodbury, Neil Marcous, Peter Gordon, Renee Goodheart, Mark Elliott
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Publication number: 20140114855Abstract: Systems and methods are provided that enable purchase and adjustment transactions using a visual indicium displayed on a mobile device. In some embodiments, these indicia are in the form of bar codes, include alias information, and do not include an account number associated with a payment account. A mobile device receives first user input, displays the indicium to a merchant device. The merchant device scans the indicium and sends a transaction request including the alias information to a payment network. The payment network determines an appropriate financial institution for processing the transaction, and sends the transaction request to the appropriate financial institution. Based on the result, the payment network sends an approval to the merchant device. Additionally, a mobile processor system sends new alias information to the mobile device for use in a next transaction.Type: ApplicationFiled: October 17, 2013Publication date: April 24, 2014Applicant: Fidelity National E-Banking Services, Inc.Inventors: Hitesh BAJAJ, Douglas G. BROWN, Susan Hawkins
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Patent number: 8249985Abstract: A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.Type: GrantFiled: February 27, 2008Date of Patent: August 21, 2012Assignee: Bank of America CorporationInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Publication number: 20110010292Abstract: Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account.Type: ApplicationFiled: September 13, 2010Publication date: January 13, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Publication number: 20110010293Abstract: Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner.Type: ApplicationFiled: September 13, 2010Publication date: January 13, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Publication number: 20110004550Abstract: Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account.Type: ApplicationFiled: September 13, 2010Publication date: January 6, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Publication number: 20110004547Abstract: Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.Type: ApplicationFiled: September 13, 2010Publication date: January 6, 2011Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Publication number: 20090144193Abstract: A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.Type: ApplicationFiled: February 27, 2008Publication date: June 4, 2009Applicant: BANK OF AMERICA CORPORATIONInventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
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Patent number: 5466215Abstract: This invention relates to a restraining device to be worn by sufferers of carpal tunnel. The device comprises a wristlet adapted to circle the wrist of a wearer and a flexible and adjustable restraining harness attached to the wristlet for extension over the back of the hand, with the harness terminating in a finger loop for engagement of the base of at least one finger to prevent falling forward of the person's hand.Type: GrantFiled: October 19, 1994Date of Patent: November 14, 1995Assignee: Brown Medical IndustriesInventors: Christopher L. Lair, Ivan E. Brown, Douglas G. Brown