Patents by Inventor Joan Myers

Joan Myers 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).

  • Wireless payment method and systems
    Patent number: 10510064
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: August 14, 2017
    Date of Patent: December 17, 2019
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless payment method and systems
    Patent number: 10083434
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: April 14, 2015
    Date of Patent: September 25, 2018
    Assignee: VISA U.S.A. INC.
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20180032994
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: August 14, 2017
    Publication date: February 1, 2018
    Inventors: Joan MYERS, Sara Garrison, Mark Carlson
  • Wireless payment method and systems
    Patent number: 9760882
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: October 31, 2008
    Date of Patent: September 12, 2017
    Assignee: VISA U.S.A. INC.
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless Payment Method and Systems
    Publication number: 20160012407
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: April 14, 2015
    Publication date: January 14, 2016
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless payment method and systems
    Patent number: 8567671
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: May 2, 2012
    Date of Patent: October 29, 2013
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless Payment Method and Systems
    Publication number: 20120239575
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: May 2, 2012
    Publication date: September 20, 2012
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless payment method and systems
    Patent number: 8205794
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: October 31, 2008
    Date of Patent: June 26, 2012
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison, Mark S. Carlson
  • Wireless portable consumer electronics device facilitating multi-range transactions
    Patent number: 8096468
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: October 30, 2007
    Date of Patent: January 17, 2012
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20090055277
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 31, 2008
    Publication date: February 26, 2009
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20090055314
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 31, 2008
    Publication date: February 26, 2009
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20090055316
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 31, 2008
    Publication date: February 26, 2009
    Inventors: Joan Myers, Sara Garrison, Mark Carlson
  • Wireless payment method and systems
    Patent number: 7407094
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: September 11, 2006
    Date of Patent: August 5, 2008
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison, Mark Steven Carlson
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20080133412
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 24, 2007
    Publication date: June 5, 2008
    Inventors: Joan Myers, Sara Garrison
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20080133421
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 24, 2007
    Publication date: June 5, 2008
    Inventors: Joan Myers, Sara Garrison
  • WIRELESS PAYMENT METHOD AND SYSTEMS
    Publication number: 20080133422
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 24, 2007
    Publication date: June 5, 2008
    Inventors: Joan Myers, Sara Garrison
  • WIRELESS PORTABLE CONSUMER ELECTRONICS DEVICE FACILITATING MULTI-RANGE TRANSACTIONS
    Publication number: 20080052232
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: October 30, 2007
    Publication date: February 28, 2008
    Inventors: Joan Myers, Sara Garrison
  • Wireless payment method and systems
    Publication number: 20070001001
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: September 11, 2006
    Publication date: January 4, 2007
    Applicant: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison
  • Wireless payment methods and systems
    Patent number: 7124937
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Grant
    Filed: January 21, 2005
    Date of Patent: October 24, 2006
    Assignee: Visa U.S.A. Inc.
    Inventors: Joan Myers, Sara Garrison
  • Wireless payment methods and systems
    Publication number: 20060163345
    Abstract: A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.
    Type: Application
    Filed: January 21, 2005
    Publication date: July 27, 2006
    Applicant: Visa U.S.A.
    Inventors: Joan Myers, Sara Garrison