Patents by Inventor Joseph N. Coco
Joseph N. Coco 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: 7739194Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: GrantFiled: September 10, 2007Date of Patent: June 15, 2010Assignee: Microsoft CorporationInventors: Arnold N. Blinn, Joseph N. Coco
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Patent number: 7698221Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: GrantFiled: June 4, 2008Date of Patent: April 13, 2010Assignee: Microsoft CorporationInventors: Arnold Neil Blinn, Joseph N. Coco
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Patent number: 7676829Abstract: Systems and methods for associating multiple credentials with a single user account in a distributed authentication system. A user can be authenticated to a service by providing any one of the multiple credentials to the authentication system. Thus, a user can provide credentials that are more easily entered or supplied on a given device. All of the credentials are associated with a single user account. The credentials can be associated symmetrically, where the user account is independent of each credential, or asymmetrically, where the user account is stored with a primary credential and the other credentials are secondary credentials that reference the primary credential.Type: GrantFiled: October 30, 2001Date of Patent: March 9, 2010Assignee: Microsoft CorporationInventors: Wei-Qiang Michael Gui, David Shutt, Joseph N. Coco
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Publication number: 20080235135Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: ApplicationFiled: June 4, 2008Publication date: September 25, 2008Applicant: Microsoft CorporationInventors: Arnold N. Blinn, Joseph N. Coco
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Patent number: 7398250Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: GrantFiled: July 13, 2004Date of Patent: July 8, 2008Assignee: Microsoft CorporationInventors: Arnold Neil Blinn, Joseph N. Coco
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Patent number: 7395242Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: GrantFiled: July 13, 2004Date of Patent: July 1, 2008Assignee: Microsoft CorporationInventors: Arnold Neil Blinn, Joseph N. Coco
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Patent number: 7337144Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: GrantFiled: September 28, 2000Date of Patent: February 26, 2008Assignee: Microsoft CorporationInventors: Arnold N. Blinn, Joseph N. Coco
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Patent number: 7155411Abstract: An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card accounts). An identification of the different accounts corresponding to a user is displayed to the user and the user is allowed to manipulate these accounts. The electronic wallet also allows the user to combine funds from multiple different accounts into a single account. This combination allows the interface on a merchant server to be designed to accommodate a single account without concern for what types of accounts a user may wish to combine. Furthermore, in accordance with one aspect, when the user is purchasing goods and/or services from a merchant on-line, only those accounts that are useable at the merchant are presented as being available to the user.Type: GrantFiled: September 28, 2000Date of Patent: December 26, 2006Assignee: Microsoft CorporationInventors: Arnold N. Blinn, Joseph N. Coco, Greg A. Marks
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Publication number: 20040260647Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: ApplicationFiled: July 13, 2004Publication date: December 23, 2004Applicant: Microsoft CorporationInventors: Arnold Neil Blinn, Joseph N. Coco
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Publication number: 20040254891Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: ApplicationFiled: July 13, 2004Publication date: December 16, 2004Applicant: Microsoft CorporationInventors: Arnold N. Blinn, Joseph N. Coco
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Publication number: 20040249753Abstract: A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.Type: ApplicationFiled: July 13, 2004Publication date: December 9, 2004Applicant: Microsoft CorporationInventors: Arnold Neil Blinn, Joseph N. Coco