Patents by Inventor Joan Tibor McNeal
Joan Tibor McNeal 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: 10664834Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: May 10, 2019Date of Patent: May 26, 2020Assignee: BIOMETRIC PAYMENT SOLUTIONSInventor: Joan Tibor McNeal
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Publication number: 20190333050Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: May 10, 2019Publication date: October 31, 2019Inventor: Joan Tibor McNeal
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Patent number: 10304054Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: December 6, 2017Date of Patent: May 28, 2019Assignee: BIOMETRIC PAYMENT SOLUTIONSInventor: Joan Tibor McNeal
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Publication number: 20180096346Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: December 6, 2017Publication date: April 5, 2018Inventor: Joan Tibor McNeal
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Patent number: 9846875Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: December 13, 2016Date of Patent: December 19, 2017Assignee: Biometric Payment SolutionsInventor: Joan Tibor McNeal
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Publication number: 20170316406Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: December 13, 2016Publication date: November 2, 2017Inventor: Joan Tibor McNeal
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Publication number: 20170186012Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification.Type: ApplicationFiled: August 4, 2016Publication date: June 29, 2017Inventor: Joan Tibor McNeal
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Publication number: 20150317636Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: February 2, 2015Publication date: November 5, 2015Inventor: Joan Tibor McNeal
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Patent number: 9141951Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: GrantFiled: July 3, 2013Date of Patent: September 22, 2015Assignee: Biometric Payment SolutionsInventor: Joan Tibor McNeal
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Patent number: 8678273Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data is described herein. The electronic verification system includes a biometric data device for recording and/or transmitting biometric data taken at the transaction location. The electronic system is adapted to accept or deny a transaction based on the comparison result generated by comparing the biometric data and the information obtained from the transaction token at the transaction location with information previously stored in one or more databases.Type: GrantFiled: March 18, 2008Date of Patent: March 25, 2014Assignee: Biometric Payment SolutionsInventor: Joan Tibor McNeal
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Publication number: 20140025583Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.Type: ApplicationFiled: July 3, 2013Publication date: January 23, 2014Applicant: Biometric Payment SolutionsInventor: Joan Tibor McNeal
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Patent number: 8485442Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification.Type: GrantFiled: July 2, 2009Date of Patent: July 16, 2013Assignee: Biometric Payment SolutionsInventor: Joan Tibor McNeal
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Publication number: 20120109829Abstract: Methods and systems of preventing fraud in electronic transaction and verification are described herein. The method includes obtaining information from a recipient; splitting the information into multiple parts; encrypting one or more of the multiple parts and encoding said encrypted part on different locations of a token; and encrypting the remaining portions of the split information and storing the encrypted remaining portions in one or more information stores. At a subsequent time, when the recipient provides the token to complete a transaction or to establish identity, retrieving the multiple portions from the one or more information stores and the token and combining or re-mating the multiple portions retrieved from the token and the one or more information stores.Type: ApplicationFiled: October 28, 2011Publication date: May 3, 2012Applicant: EXODUS PAYMENT SYSTEMS, LLCInventors: Joan Tibor McNeal, Kellie Rogers
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Publication number: 20110000961Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification.Type: ApplicationFiled: July 2, 2009Publication date: January 6, 2011Applicant: Biometric Payment Solutions, LLPInventor: Joan Tibor McNeal
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Publication number: 20080156866Abstract: An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification.Type: ApplicationFiled: March 18, 2008Publication date: July 3, 2008Applicant: Biometric Payment Solutions, LLPInventor: Joan Tibor McNeal
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Patent number: 6728397Abstract: A verification system for negotiable instruments, such as checks, that gathers and transmits information about the negotiable instrument and biometric data. The system preferably has the ability to scan the magnetic number off of checks, digitally encode fingerprints, scan driver's licenses or other identification cards, and take a signature of a customer, all at a point of sale for purposes of fund verification. The check verification system preferably digitizes various indicia of the check, preferably the magnetic ink on the check, at the point of sale and transmits the check information data to a remotely located main system whereby the main system compares the inputted data with an existing database of information to determine if the customer at the point of sale is in fact authorized to use the account, and if the account is in satisfactory condition for check approval.Type: GrantFiled: June 18, 1999Date of Patent: April 27, 2004Inventor: Joan Tibor McNeal
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Publication number: 20030128866Abstract: A verification system for negotiable instruments, such as checks, that gathers and transmits information about the negotiable instrument and biometric data. The system preferably has the ability to scan the magnetic number off of checks, digitally encode fingerprints, scan driver's licenses or other identification cards, and take a signature of a customer, all at a point of sale for purposes of fund verification. The check verification system preferably digitizes various indicia of the check, preferably the magnetic ink on the check, at the point of sale and transmits the check information data to a remotely located main system whereby the main system compares the inputted data with an existing database of information to determine if the customer at the point of sale is in fact authorized to use the account, and if the account is in satisfactory condition for check approval.Type: ApplicationFiled: June 18, 1999Publication date: July 10, 2003Inventor: JOAN TIBOR MCNEAL