Patents by Inventor Howard Caven

Howard Caven 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).

  • Pre-Paid Activation and Replenishment on a Point-of-Sale Device
    Publication number: 20090177552
    Abstract: A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host.
    Type: Application
    Filed: July 22, 2008
    Publication date: July 9, 2009
    Applicant: FIRST DATA CORPORATION
    Inventors: Howard Caven, Matthew Peterson, Diane Blankstrom, David W. Smith
  • Pre-paid activation and replenishment on a point-of-sale device
    Patent number: 7413117
    Abstract: A system and method for processing prepaid financial transactions. One or more remote terminals are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host.
    Type: Grant
    Filed: February 9, 2005
    Date of Patent: August 19, 2008
    Assignee: First Data Corporation
    Inventors: Howard Caven, Matthew Peterson, Diane Blankstrom, David W. Smith
  • ELECTRONIC CHECK ACCEPTANCE
    Publication number: 20080071684
    Abstract: A check acceptance method for transmitting the check return fee information that applies to a check submitted by a customer. A host computer can transmit for use by a client computer the return fee that will apply to a transaction if a check is returned for insufficient funds. In addition, a return fee note field can be used to transmit explanatory notes that are used to explain non-flat fee charges that will apply.
    Type: Application
    Filed: September 18, 2007
    Publication date: March 20, 2008
    Applicant: First Data Corporation
    Inventors: Jason Marshall, Chris Schmid, Howard Caven, Wanda Hayden, Anne Cusimano
  • Pre-paid activation and replenishment on a point-of-sale device
    Publication number: 20060175394
    Abstract: A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host.
    Type: Application
    Filed: February 9, 2005
    Publication date: August 10, 2006
    Inventors: Howard Caven, Matthew Peterson, Diane Blankstrom, David Smith