Patents by Inventor Julio A. Vancini

Julio A. Vancini 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).

  • Reusable near field communication (“NFC”) device for pre-stage point-of-sale (“POS”) payments
    Patent number: 11423396
    Abstract: As the world progresses towards a 100% cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment applications. There is a need for a plug and play, universal protocol that would bridge the gap between these various emerging payment technologies and their respective proprietary ecosystems. The plug and play universal protocol would be deployed in each money transfer ecosystem and would be responsible for forwarding money to an account/wallet external to the ecosystem. There is also a need for a hardware digital wallet that interacts with the bridging protocol, merchant POS terminals and other transaction processing systems.
    Type: Grant
    Filed: December 1, 2019
    Date of Patent: August 23, 2022
    Assignee: Bank of America Corporation
    Inventors: Samuel M. Moiyallah, Jr., Julio A. Vancini, Susan Moss, Joseph Castinado
  • REUSABLE NEAR FIELD COMMUNICATION ("NFC") DEVICE FOR PRE-STAGE POINT-OF-SALE ("POS") PAYMENTS
    Publication number: 20210166218
    Abstract: As the world progresses towards a 100% cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment applications. There is a need for a plug and play, universal protocol that would bridge the gap between these various emerging payment technologies and their respective proprietary ecosystems. The plug and play universal protocol would be deployed in each money transfer ecosystem and would be responsible for forwarding money to an account/wallet external to the ecosystem. There is also a need for a hardware digital wallet that interacts with the bridging protocol, merchant POS terminals and other transaction processing systems.
    Type: Application
    Filed: December 1, 2019
    Publication date: June 3, 2021
    Inventors: Samuel M. Moiyallah, JR., Julio A. Vancini, Susan Moss, Joseph Castinado