Patents by Inventor Jorge M. Fernandes

Jorge M. Fernandes 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: 9854074
    Abstract: An external device for an electronic device includes a first cover portion configured to cover at least a portion of the electronic device, an insert coupled to the first cover portion, and a second cover portion coupled to the insert and covering at least a portion of the insert. At least an outer layer of the first cover portion or the second cover portion is made of a non-moldable material. The insert includes various mechanical structures and electrical circuits.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: December 26, 2017
    Assignee: I-BLADES, INC.
    Inventors: Jorge M. Fernandes, Paul Meissner, Nick Osborne
  • Patent number: 9818099
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Grant
    Filed: November 13, 2015
    Date of Patent: November 14, 2017
    Assignee: Quisk, Inc.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Patent number: 9754260
    Abstract: Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.
    Type: Grant
    Filed: October 28, 2013
    Date of Patent: September 5, 2017
    Assignee: Quisk, Inc.
    Inventor: Jorge M. Fernandes
  • Publication number: 20170249621
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Application
    Filed: May 17, 2017
    Publication date: August 31, 2017
    Applicant: Quisk, Inc.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Publication number: 20170091773
    Abstract: A payment processing system includes a server that processes a request for a transaction between a customer and a merchant. The customer is associated with a customer profile defining a customer security level that is one of a plurality of customer security levels. The merchant is associated with a merchant profile defining a merchant security level that is one of a plurality of merchant security levels. A risk service determines a risk for the request based on transaction data of the purchase transaction request, the customer profile, and the merchant profile. The risk service determines the risk by operating at a risk assessment level that is one of a plurality of risk assessment levels at which the risk service operates depending on the customer and the merchant security level defined by the customer and the merchant profile. The risk service generates a fraud warning based on a result.
    Type: Application
    Filed: December 12, 2016
    Publication date: March 30, 2017
    Applicant: Quisk, Inc.
    Inventors: Praveen Amancherla, Kumar Kartikeya, Jorge M. Fernandes
  • Publication number: 20170085687
    Abstract: An external device for an electronic device includes a first cover portion configured to cover at least a portion of the electronic device, an insert coupled to the first cover portion, and a second cover portion coupled to the insert and covering at least a portion of the insert. At least an outer layer of the first cover portion or the second cover portion is made of a non-moldable material. The insert includes various mechanical structures and electrical circuits.
    Type: Application
    Filed: August 23, 2016
    Publication date: March 23, 2017
    Inventors: Jorge M. Fernandes, Paul Meissner, Nick Osborne
  • Publication number: 20160071084
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Application
    Filed: November 13, 2015
    Publication date: March 10, 2016
    Applicant: QUISK, INC.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Patent number: 9189784
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Grant
    Filed: February 16, 2015
    Date of Patent: November 17, 2015
    Assignee: Quisk, Inc.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Publication number: 20150161582
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Application
    Filed: February 16, 2015
    Publication date: June 11, 2015
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Publication number: 20150120546
    Abstract: Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction codes carry sufficient information to help inform a decision of whether to lock the payment account so as to prevent an initiated transaction from completing. The decision can be fully-automated based on rules and/or intelligent machine analysis. The systems and methods can also seek, in real-time, authorization from an account administrator. The systems and methods can also allow the administrator to create a locking rule for the payment account. The administrator can be identified using the account hierarchy.
    Type: Application
    Filed: October 28, 2013
    Publication date: April 30, 2015
    Applicant: Quisk, Inc.
    Inventor: Jorge M. Fernandes
  • Patent number: 8959032
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Grant
    Filed: January 31, 2013
    Date of Patent: February 17, 2015
    Assignee: Quisk, Inc.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Publication number: 20140324694
    Abstract: This disclosure includes methods and systems for restricting a transfer of funds from an electronic financial account after a lock feature has been engaged in response to an account lock request. In some embodiments, the method or system restricts a first transfer of funds, but allows a second transfer of funds while the lock feature is engaged. In some embodiments, one of a plurality of lock features is engaged based on a text string contained in the account lock request.
    Type: Application
    Filed: July 11, 2014
    Publication date: October 30, 2014
    Inventor: Jorge M. Fernandes
  • Publication number: 20140279097
    Abstract: A process includes receiving a message containing an a priori funding source selection for a payment service used to conduct a purchase transaction that is sent via SMS from a purchaser. The process also includes receiving a request to transfer funds to the merchant on behalf of the purchaser that is sent from a device associated with a merchant. The process also includes completing the purchase transaction. The funds transferred to the merchant on behalf of the purchaser are taken from a funding source selected by the a priori funding source selection. The a priori funding source selection is stored so as to apply to all future transactions conducted by the purchaser using the payment service until the server device receives a second a priori funding source selection from the purchaser.
    Type: Application
    Filed: July 8, 2013
    Publication date: September 18, 2014
    Applicant: MOBIbucks Corp.
    Inventors: Ziad Alshobaki, Jorge M. Fernandes
  • Publication number: 20140258009
    Abstract: Processes are disclosed to facilitate the verification and registration of users of a payment service. One process includes receiving an intent to register message from a user via an SMS message sent from a user mobile device. The process also includes sending a query message to the user mobile device. The query message includes a request for a government identification number from the user. The process also includes verifying the government identification number against a collection of data entries provided by a third party. The process also includes sending a temporary validation code to the user mobile device. The process also includes receiving an updated PIN from a known POS terminal. The known POS terminal was previously registered with the payment service. The updated PIN replaces the temporary validation code. The process also includes sending a registration confirmation to the user mobile device. Other related processes are also disclosed herein.
    Type: Application
    Filed: August 1, 2013
    Publication date: September 11, 2014
    Applicant: MOBIbucks Corp.
    Inventors: Ziad Alshobaki, Jorge M. Fernandes
  • Publication number: 20140258123
    Abstract: Processes for registering a user for a payment service are disclosed herein. Some of the processes involve the delivery of tokenized external fund transfer information from a financial institution to a payment service. Some of the process are conducted such that the external fund transfer information is never stored or handled by the payment service, but the identity of the user is still adequately verified by the payment service on behalf of the financial institution.
    Type: Application
    Filed: September 19, 2013
    Publication date: September 11, 2014
    Applicant: QUISK, INC.
    Inventor: Jorge M. Fernandes
  • Publication number: 20140222595
    Abstract: Disclosed herein is a method, in which each step is computer-implemented, including receiving, via a point of sale terminal, a mobile device telephone number of a mobile device associated with a user, and a personal identification number selected by the user. The mobile device telephone number is checked against a database to determine if the mobile device telephone number is already present. A payment account is created if the mobile device telephone number is not already associated with a payment account. The mobile device telephone number serves as an account number. An account confirmation message is transmitted to the mobile device via direct use of the account number. A transfer of funds to affect payment is administered via a stored fund account. The stored fund account is associated with the account number, and is a ledger of actual funds where the actual funds are located in a second account.
    Type: Application
    Filed: April 8, 2014
    Publication date: August 7, 2014
    Applicant: Quisk, Inc.
    Inventor: Jorge M. Fernandes
  • Patent number: 8788389
    Abstract: This disclosure includes methods and systems for limiting the transfer of funds from an account after a lock feature for the account has been engaged in response to an account lock request. The account lock request can be sent via an SMS message. The lock request can limit the transfer of funds from the account, and generally limit usage of the account for financial transactions. The account can be a funding source for a payment account.
    Type: Grant
    Filed: September 9, 2013
    Date of Patent: July 22, 2014
    Assignee: Quisk, Inc.
    Inventor: Jorge M. Fernandes
  • Publication number: 20140101049
    Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.
    Type: Application
    Filed: January 31, 2013
    Publication date: April 10, 2014
    Applicant: MOBIbucks Corporation
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Publication number: 20140101025
    Abstract: A system and method of pre-configuring a financial account for later transactions is provided. The system includes an account server, which, after receiving a request to configure an account from an initiator, sends a prompt for identification verification information to the initiator. After receiving the verification information, the server configures the account with limitations based at least in part on the verification information. The server may also send the initiator a secure, compact identification code that can be used for later transactions. These later transactions are checked against the pre-defined limitations associated with the account, and they are processed if they fall within the limitations.
    Type: Application
    Filed: March 5, 2013
    Publication date: April 10, 2014
    Applicant: MOBIBUCKS CORP.
    Inventors: Jorge M. Fernandes, Ziad Alshobaki
  • Patent number: D794624
    Type: Grant
    Filed: August 24, 2015
    Date of Patent: August 15, 2017
    Assignee: I-BLADES, INC.
    Inventors: Jorge M. Fernandes, Paul Meissner, Nick Osborne