Patents by Inventor Joseph Giordano

Joseph Giordano 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).

  • Publication number: 20190191359
    Abstract: Disclosed is a system for managing wireless transmitting devices in which a wireless transmission from a transmission device is detected within or about a set area and an allowability of the transmission device to continue transmitting is based on an identification information, of the device, a location of the device and a number being called by the device.
    Type: Application
    Filed: April 2, 2018
    Publication date: June 20, 2019
    Inventors: Joseph S. Noonan, James P. Noonan, Carl A. Giordano, William T. Blake
  • Patent number: 9892419
    Abstract: Apparatus and methods for providing electronic coupons are provided. The apparatus and methods include a system that uses a plurality of coupon processors to pull coupon data from an electronic coupon platform upon the expiration of a predetermined time period. The apparatus and methods additionally include a system that uses an electronic coupon platform to pushes data to a plurality of coupon processors upon the expiration of a predetermined time period. The apparatus and methods also include a system that redeems electronic coupons by initiating a deposit of an amount of funds in a customer bank account at predetermined time intervals. The apparatus and methods further include an electronic coupon platform that sends an electronic notification to a plurality of coupon processors upon the receipt of data from a first coupon processor which relates to the receipt of customer payment card and/or loyalty card information.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: February 13, 2018
    Assignee: Bank of America Corporation
    Inventors: Glenn M. Grossman, Joseph A. Giordano
  • Publication number: 20150371212
    Abstract: A method of transferring electronic funds from a user may include displaying a user code and entering user code on the user's mobile computing device or on a payer's terminal. The payer's terminal is identified and the payee may be determined. The terminal and payer may be matched, and a transaction amount may be received from the payer's terminal. The transaction amount may be displayed to the user for confirmation purposes. A confirmation of the transaction amount is received from the user's mobile computing device. If confirmation is received, the transaction may be completed by debiting the payee's account the transaction amount.
    Type: Application
    Filed: January 27, 2014
    Publication date: December 24, 2015
    Inventors: Joseph GIORDANO, Randall TROST
  • Patent number: 8910873
    Abstract: A method and apparatus for defining the illumination field of view of a barcode reader. The method includes (1) generating an illumination with an illumination source; (2) directing the illumination with an illumination lens to pass through an aperture to generate an illumination pattern directed toward a target object and to define an illumination field of view with the aperture; and (3) focusing light reflected from the target object onto a photosensor array with an imaging lens in an imaging system.
    Type: Grant
    Filed: June 30, 2009
    Date of Patent: December 16, 2014
    Assignee: Symbol Technologies, Inc.
    Inventors: Mark Drzymala, Joseph Giordano
  • Patent number: 8751298
    Abstract: Apparatus and methods for providing electronic coupons are provided. The apparatus and methods include a system that uses a plurality of coupon processors to pull coupon data from an electronic coupon platform upon the expiration of a predetermined time period. The apparatus and methods additionally include a system that uses an electronic coupon platform to pushes data to a plurality of coupon processors upon the expiration of a predetermined time period. The apparatus and methods also include a system that redeems electronic coupons by initiating a deposit of an amount of funds in a customer bank account at predetermined time intervals. The apparatus and methods further include an electronic coupon platform that sends an electronic notification to a plurality of coupon processors upon the receipt of data from a first coupon processor which relates to the receipt of customer payment card and/or loyalty card information.
    Type: Grant
    Filed: May 9, 2011
    Date of Patent: June 10, 2014
    Assignee: Bank of America Corporation
    Inventors: Joseph A. Giordano, Glenn M. Grossman
  • Publication number: 20140052560
    Abstract: A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service.
    Type: Application
    Filed: September 13, 2012
    Publication date: February 20, 2014
    Applicant: Bank of America
    Inventors: Joseph A. Giordano, Herbert M. Fellman
  • Patent number: 8560393
    Abstract: Apparatus and methods for providing transaction fee information to a customer. The apparatus and methods may provide to a customer at a merchant point of sale terminal information regarding a transaction fee. The transaction may be based on the customer's credit card or other purchasing instrument. The transaction fee may be imposed by an issuer of the credit card. The merchant may be required to pay the fee. The point of sale terminal may be configured to provide an opportunity for the customer to decide, based on the transaction fee, whether to continue the transaction or obtain information about fees associated with other credit cards.
    Type: Grant
    Filed: June 25, 2009
    Date of Patent: October 15, 2013
    Assignee: Bank of America Corporation
    Inventors: Joseph A. Giordano, Elbert Lee Whitler, Herbert M. Fellman
  • Patent number: 8538801
    Abstract: The invention relates generally to retail transactions and, more particularly, to systems and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for goods and services.
    Type: Grant
    Filed: February 27, 2002
    Date of Patent: September 17, 2013
    Assignee: ExxonMobile Research & Engineering Company
    Inventors: Joseph Giordano, Jack Murray
  • Patent number: 8505813
    Abstract: Apparatus and methods for providing customer benefit offer program enrollment are provided. A system for enrolling a purchasing instrument in an electronic customer benefit offer program an electromagnetic receiver module. The receiver module may be configured to receive data from the purchasing instrument and receive from a customer a customer selection of a notification channel, the channel to be used for notifying the customer about a customer benefit. The system may also include a processor module configured to associate the purchasing instrument data with an account on an electronic platform so that a customer benefit offer that is stored on the platform may be associated with the purchasing instrument.
    Type: Grant
    Filed: September 4, 2009
    Date of Patent: August 13, 2013
    Assignee: Bank of America Corporation
    Inventors: Glenn M. Grossman, Joseph A. Giordano
  • Publication number: 20130036051
    Abstract: System, method, and computer program product are provided for a user to provide payment for a transaction via non-near field communications at the point-of-sale. Once a user enters a merchant, the user may purchase products from the merchant through a P2P mobile payment. The user may identify himself/herself on a mobile phone and access the P2P mobile payment system. The user then selects the merchant that he/she is purchasing from and the financial institution providing the user with a payment PIN. The PIN is a randomly generated numbers or letters set that the user inputs at the point-of-sale to provide payment for a transaction at the merchant. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience without having to disclose personal data such as an account number, routing number, or the like.
    Type: Application
    Filed: January 1, 2012
    Publication date: February 7, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph A. Giordano, Yvette Bohanan
  • Publication number: 20130036000
    Abstract: Systems, methods, and computer program products are provided for conducting mobile and online financial transactions. Methods include receiving financial transaction instructions, wherein the instructions comprise a first alias and a second alias; associating the first alias with at least one payment account, and the second alias with at least one recipient account; and communicating a financial transaction notification to a recipient associated with the at least one recipient account.
    Type: Application
    Filed: January 1, 2012
    Publication date: February 7, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Joseph A. Giordano, Yvette Marie Bohanan
  • Publication number: 20130036050
    Abstract: A system and method for using a static or dynamically-generated alias to conduct financial transactions via a Near Field Communication Device at a merchant is provided. The system and method allows a user to provide an alias identifying the user in order to conduct transactions via a near field communication device without needing to transfer the user's account number. The method associates the alias with an account of the user. The alias may be a static alias or a dynamic alias. A dynamic alias is generated for a transaction based in part on a characteristic of the transaction. The method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user and/or merchant that the transaction has completed.
    Type: Application
    Filed: January 1, 2012
    Publication date: February 7, 2013
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: JOSEPH A. GIORDANO, YVETTE BOHANAN
  • Publication number: 20130013441
    Abstract: A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service.
    Type: Application
    Filed: September 13, 2012
    Publication date: January 10, 2013
    Applicant: Bank of America
    Inventors: Joseph A. Giordano, Herbert M. Fellman
  • Publication number: 20130013495
    Abstract: Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information.
    Type: Application
    Filed: September 14, 2012
    Publication date: January 10, 2013
    Applicant: Bank of America
    Inventors: Joseph A. Giordano, Elbert L. Whitler, Herbert M. Fellman
  • Patent number: 8249985
    Abstract: A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.
    Type: Grant
    Filed: February 27, 2008
    Date of Patent: August 21, 2012
    Assignee: Bank of America Corporation
    Inventors: Joseph A. Giordano, Christopher R. Griggs, Hitesh Bajaj, Douglas G. Brown, Jade M. Vo-Dinh
  • Publication number: 20120130842
    Abstract: A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service.
    Type: Application
    Filed: March 23, 2010
    Publication date: May 24, 2012
    Applicant: Bank of America
    Inventors: Joseph A. Giordano, Herbert M. Fellman
  • Publication number: 20110238596
    Abstract: Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information.
    Type: Application
    Filed: March 26, 2010
    Publication date: September 29, 2011
    Applicant: Bank of America
    Inventors: Joseph A. Giordano, Elbert L. Whitler, Herbert M. Fellman
  • Publication number: 20110213709
    Abstract: Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.
    Type: Application
    Filed: May 12, 2011
    Publication date: September 1, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kurt D. Newman, Christopher R. Griggs, Joseph A. Giordano, Debashis Ghosh, David Joa, Timothy J. Bendel, Michael James O'Hagan
  • Publication number: 20110213710
    Abstract: Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount.
    Type: Application
    Filed: May 12, 2011
    Publication date: September 1, 2011
    Applicant: BANK OF AMERICA CORPORATION
    Inventors: Kurt D. Newman, Christopher R. Griggs, Joseph A. Giordano, Debashis Ghosh, David Joa, Timothy J. Bendel, Michael James O'Hagan
  • Publication number: 20110060634
    Abstract: Apparatus and methods for activation of electronic customer benefit offers are provided. Such apparatus and methods may include a system for activating a customer benefit offer. The system may include an electromagnetic transmitter module configured to transmit customer benefit offer information from an offer platform to a customer via a communication channel selected by the customer. The customer benefit offer information may correspond to the customer benefit offer. The system may also include an electromagnetic receiver module configured to receive from the customer an acknowledgment of the customer benefit offer. The system may also include a data processing machine configured to mark a record in an account on the offer platform as “active.” The record may correspond to the customer benefit offer and the account may correspond to the customer. The purchasing instrument identifier may be linked to the account.
    Type: Application
    Filed: September 4, 2009
    Publication date: March 10, 2011
    Applicant: Bank of America
    Inventors: Glenn M. Grossman, Joseph A. Giordano