Patents by Inventor Jeffrey J. Scheel

Jeffrey J. Scheel 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).

  • Real-time security verification for banking cards
    Patent number: 8632002
    Abstract: Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.
    Type: Grant
    Filed: July 8, 2008
    Date of Patent: January 21, 2014
    Assignee: International Business Machines Corporation
    Inventors: David C. Boutcher, Raymond K. Harney, Steven J. Munroe, Jeffrey J. Scheel
  • Real-time security verification for banking cards
    Patent number: 8615465
    Abstract: Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.
    Type: Grant
    Filed: July 8, 2008
    Date of Patent: December 24, 2013
    Assignee: International Business Machines Corporation
    Inventors: David C. Boutcher, Raymond K. Harney, Steven J. Munroe, Jeffrey J. Scheel
  • REAL-TIME SECURITY VERIFICATION FOR BANKING CARDS
    Publication number: 20100006641
    Abstract: Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.
    Type: Application
    Filed: July 8, 2008
    Publication date: January 14, 2010
    Inventors: David C. Boutcher, Raymond K. Harney, Steven J. Munroe, Jeffrey J. Scheel
  • REAL-TIME SECURITY VERIFICATION FOR BANKING CARDS
    Publication number: 20100006642
    Abstract: Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.
    Type: Application
    Filed: July 8, 2008
    Publication date: January 14, 2010
    Inventors: David C. Boutcher, Raymond K. Harney, Steven J. Munroe, Jeffrey J. Scheel