Patents by Inventor Joshua L. Montgomery

Joshua L. Montgomery 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: 20100030633
    Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.
    Type: Application
    Filed: September 6, 2007
    Publication date: February 4, 2010
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20100030693
    Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: September 6, 2007
    Publication date: February 4, 2010
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7637434
    Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.
    Type: Grant
    Filed: September 7, 2007
    Date of Patent: December 29, 2009
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Patent number: 7578448
    Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.
    Type: Grant
    Filed: September 7, 2007
    Date of Patent: August 25, 2009
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Publication number: 20090171851
    Abstract: An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code.
    Type: Application
    Filed: February 18, 2009
    Publication date: July 2, 2009
    Applicant: XATRA FUND MX, LLC
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20090125401
    Abstract: A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction.
    Type: Application
    Filed: December 17, 2008
    Publication date: May 14, 2009
    Applicant: XATRA FUND MX, LLC
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20090119220
    Abstract: In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.
    Type: Application
    Filed: December 7, 2008
    Publication date: May 7, 2009
    Applicant: XATRA FUND MX, LLC
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20090079546
    Abstract: The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions.
    Type: Application
    Filed: October 31, 2008
    Publication date: March 26, 2009
    Applicant: XATRA FUND MX, LLC
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7506819
    Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.
    Type: Grant
    Filed: September 21, 2007
    Date of Patent: March 24, 2009
    Assignee: Xatra Fund MX, LLC
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Patent number: 7506818
    Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
    Type: Grant
    Filed: September 7, 2007
    Date of Patent: March 24, 2009
    Assignee: Xatra Fund MX, LLC
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Patent number: 7500616
    Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
    Type: Grant
    Filed: September 7, 2007
    Date of Patent: March 10, 2009
    Assignee: Xatra Fund MX, LLC
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Publication number: 20080140580
    Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: January 31, 2008
    Publication date: June 12, 2008
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7360689
    Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: April 22, 2008
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
  • Patent number: 7303120
    Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: December 4, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7268668
    Abstract: Systems and methods are presented for managing a plurality of data sets on a financial transaction instrument configured to facilitate performing a financial transaction. A first data set owner and a second data set owner are enrolled in a multiple account management program. A first data set owned by a first data set owner and of a first format is added to a database on the financial transaction instrument. A second data set of a second format is added to the database. The second data set is owned by a second data set owner, distinct from the first data set owner, and the second format is different from the first format. A condition header identifying a status condition is added to at least one of the first and second data sets. At least one of the first and second data sets is modified in the database.
    Type: Grant
    Filed: March 12, 2004
    Date of Patent: September 11, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, Michal Bliman, David S. Bonalle, Joshua L. Montgomery, Peter D. Saunders, John R. Williamson
  • Patent number: 7268667
    Abstract: A RF transaction device is provided, which is operable to store multiple distinct data sets owned by unrelated data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the RF transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the RF transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the RF transaction device in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other and in accordance with the particular data set storage protocol.
    Type: Grant
    Filed: March 10, 2004
    Date of Patent: September 11, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, Michal Bliman, David S. Bonalle, Joshua L. Montgomery, Peter D. Saunders, John R. Williamson
  • Patent number: 7154375
    Abstract: A method for facilitating biometric security in a transponder-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: December 26, 2006
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7121471
    Abstract: The present invention discloses a system and methods for biometric security using DNA recognition biometrics in a transponder-reader system. The biometric security system also includes a DNA scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA scan sensor. In another embodiment, the system includes a reader configured with a DNA scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA scan samples to facilitate authorization of transactions.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: October 17, 2006
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Patent number: 7059531
    Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a transponder-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.
    Type: Grant
    Filed: March 26, 2004
    Date of Patent: June 13, 2006
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040257197
    Abstract: The present invention discloses a method for facilitating biometric security in a transponder-reader system. The method includes detecting biometrics using a biometric sensor in order to obtain a biometric sample. In one embodiment, the biometric sensor communicates with the transponder-system and is configured with a transponder. In another embodiment, the biometric sensor communicates with the transponder-system and is configured with a reader. The invention also discloses methods for verifying a biometric sample and for authorizing a transaction.
    Type: Application
    Filed: March 26, 2004
    Publication date: December 23, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders