Patents by Inventor Jeffery A. Warmington

Jeffery A. Warmington 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).

  • Patent number: 9292852
    Abstract: 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: Grant
    Filed: August 18, 2010
    Date of Patent: March 22, 2016
    Assignee: FonWallet Transactions Solutions, Inc.
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Patent number: 8370265
    Abstract: 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: Grant
    Filed: August 18, 2010
    Date of Patent: February 5, 2013
    Assignee: FonWallet Transaction Solutions, Inc.
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Publication number: 20130007849
    Abstract: A transaction processing service that operates as an intermediary between aggregators of transaction requests, service providers, consumers, and third-party recipients of data, is disclosed. As used herein, a transaction request is a request for consumer services to be provided to a consumer or third-party, a consumer's authorization of such consumer services, and/or a consumer's authorization of applicable terms, policies, contracts, or agreements. The intermediary service utilizes a consumer's mobile device as an out-of-band communication channel to notify a consumer of a received transaction request and to receive a consumer's authorization of the transaction. Once a transaction is authorized, the intermediary service facilitates the consumer services related to the transaction and provides a service response from one or more service providers to the user's mobile device and/or another service target.
    Type: Application
    Filed: May 29, 2012
    Publication date: January 3, 2013
    Applicant: FonWallet Transaction Soulutions, Inc.
    Inventors: Todd R. Coulter, Jeffery A. Warmington, Mordechai E. Kaplinsky
  • Patent number: 8280776
    Abstract: 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: Grant
    Filed: August 18, 2010
    Date of Patent: October 2, 2012
    Assignee: Fon Wallet Transaction Solutions, Inc.
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Publication number: 20100312636
    Abstract: 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: Application
    Filed: August 18, 2010
    Publication date: December 9, 2010
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Publication number: 20100312657
    Abstract: 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: Application
    Filed: August 18, 2010
    Publication date: December 9, 2010
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington
  • Publication number: 20100312700
    Abstract: 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: Application
    Filed: August 18, 2010
    Publication date: December 9, 2010
    Inventors: Todd R. Coulter, Mordechai E. Kaplinsky, Christopher E. Lewis, Jeffery A. Warmington