Patents by Inventor Kurt Torben Thams

Kurt Torben Thams 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: 10860998
    Abstract: Payment processing is described that uses two-portion tokens at a point-of-service. In one example, a service-provider computer receives a request to stage an order for a merchant computer from a customer mobile device. The service-provider computer generates a token having (1) a first portion encoded in the token representing first information not specific to the order including a designation of an overall fee to be provided by a customer including a payment to the merchant computer for the order and a portion of the overall fee to be provided to a point-of-service and (2) a second portion encoded in the token representing second information specific to the order. The token is transmitted to the mobile for display and payment at a point-of-service. The point-of-service confirms receipt of payment and of the token.
    Type: Grant
    Filed: September 24, 2018
    Date of Patent: December 8, 2020
    Assignee: Handle Financial, Inc.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Patent number: 10592792
    Abstract: Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode.
    Type: Grant
    Filed: June 18, 2014
    Date of Patent: March 17, 2020
    Assignee: Handle Financial, Inc.
    Inventors: Kurt Torben Thams, John Paul Minor, Stephen Capps, Daniel Jeffrey Shader, Richard Scott Perkins
  • Publication number: 20190087802
    Abstract: Payment processing is described that uses two-portion tokens at a point-of-service. In one example, a service-provider computer receives a request to stage an order for a merchant computer from a customer mobile device. The service-provider computer generates a token having (1) a first portion encoded in the token representing first information not specific to the order including a designation of an overall fee to be provided by a customer including a payment to the merchant computer for the order and a portion of the overall fee to be provided to a point-of-service and (2) a second portion encoded in the token representing second information specific to the order. The token is transmitted to the mobile for display and payment at a point-of-service. The point-of-service confirms receipt of payment and of the token.
    Type: Application
    Filed: September 24, 2018
    Publication date: March 21, 2019
    Applicant: Handle Financial, Inc.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Patent number: 10108946
    Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.
    Type: Grant
    Filed: February 25, 2014
    Date of Patent: October 23, 2018
    Assignee: HANDLE FINANCIAL, INC.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Publication number: 20160162866
    Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.
    Type: Application
    Filed: February 25, 2014
    Publication date: June 9, 2016
    Applicant: PAYNEARME, INC.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Publication number: 20140358708
    Abstract: A system and method is provided for payment processing with restricted receipt information. In an embodiment, a method is also provided. The method includes receiving a request for billing information from a POS (point-of-sale) terminal at a payment processor for a customer to pay a merchant at the POS terminal. The method further includes providing billing information to the POS terminal. The billing information includes a bill amount and an additional fee amount. The billing information further includes a predetermined code to be included on a receipt from the POS terminal. Matching of the predetermined code on the receipt of the customer and the token document provides proof of payment for the order. The method also includes receiving confirmation of payment from the POS. The method further includes sending payment information to the merchant about the customer payment.
    Type: Application
    Filed: February 25, 2014
    Publication date: December 4, 2014
    Applicant: PayNearMe, Inc.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Publication number: 20140358707
    Abstract: A system, method and apparatus for payment processing using dynamic barcodes is provided. In an embodiment, a method is provided. The method includes receiving a request to stage an order, including information identifying a merchant. The method further includes determining current order information for the merchant. The method also includes producing a token identifier for the order. The token identifier includes an item code and a ticket identifier. The item code identifies or references an economic understanding for the order. Additionally, the method includes staging the order within a system to allow for completion of the order later in time. The order completes through notification of payment to a POS terminal by a consumer and fulfillment of the order by the merchant. The method further includes sending the token identifier to the merchant. The token identifier is to be provided to the consumer for use by the consumer in paying for the order at the POS terminal.
    Type: Application
    Filed: February 25, 2014
    Publication date: December 4, 2014
    Applicant: PAYNEARME, INC.
    Inventors: Richard Scott Perkins, Kurt Torben Thams, Daniel J. Shader
  • Publication number: 20140297441
    Abstract: Disclosed herein are systems and methods for converting barcodes to facilitate fast and convenient payments. In one embodiment, the systems and methods are for imaging a first barcode having a first barcode format; determining a second barcode format used at a point-of-service; converting the first barcode to a second barcode in the second format; and generating an image of the second barcode.
    Type: Application
    Filed: June 18, 2014
    Publication date: October 2, 2014
    Applicant: PayNearMe, Inc.
    Inventors: Kurt Torben Thams, John Paul Minor, Stephen Capps, Daniel Jeffrey Shader, Richard Scott Perkins