Patents by Inventor Kyle Leighton Cochran

Kyle Leighton Cochran 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: 9911114
    Abstract: Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: March 6, 2018
    Assignee: QUALCOMM Incorporated
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8489067
    Abstract: Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: July 16, 2013
    Assignee: QUALCOMM Incorporated
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8467766
    Abstract: Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: June 18, 2013
    Assignee: QUALCOMM Incorporated
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20130013501
    Abstract: Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient.
    Type: Application
    Filed: September 14, 2012
    Publication date: January 10, 2013
    Applicant: FIRETHORN MOBILE, INC.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20120265677
    Abstract: Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient.
    Type: Application
    Filed: June 11, 2012
    Publication date: October 18, 2012
    Applicant: FIRETHORN MOBILE, INC.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8160959
    Abstract: Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: April 17, 2012
    Assignee: Firethorn Mobile, Inc.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8145568
    Abstract: Methods and systems for indicating a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communications with one or more payment instruction recipients that can make a payment to a payee in behalf of the user. The mobile device allows for selection of a pre-existing payee or entry of payee information. The user provides input at the mobile device selecting a payee for a payment and a payment source for the payment. A mobile payment instruction comprising information corresponding to the payment to make and a payment source for the payment is wirelessly communicated to the MFTS.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: March 27, 2012
    Assignee: Firethorn Mobile, Inc.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8121945
    Abstract: Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods. The system provides information corresponding to a received payment to a user/payee's mobile device. Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment. The user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment. The mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: February 21, 2012
    Assignee: Firethorn Mobile, Inc.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Patent number: 8073769
    Abstract: Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.
    Type: Grant
    Filed: July 6, 2006
    Date of Patent: December 6, 2011
    Assignee: Firethorn Mobile, Inc.
    Inventors: Brady Lee Rackley, III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080126145
    Abstract: Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application.
    Type: Application
    Filed: July 6, 2006
    Publication date: May 29, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080040265
    Abstract: Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card.
    Type: Application
    Filed: July 6, 2006
    Publication date: February 14, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010215
    Abstract: Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010196
    Abstract: Methods and systems for viewing aggregated financial obligations utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user. The MFTS is also coupled for electronic communications with an aggregator that collects information from a plurality of payees with whom a user has a financial relationship. The MFTS receives payment to make information from the aggregator corresponding to a payment to be made by the user to a payee. The MFTS generates summarized payment to make information comprising a predetermined selected subset of the payment to make information received from the aggregator. The MFTS wireless communicates the summarized payment to make information to the user's mobile device. The summarized payment information is then displayed on a user's mobile device.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010193
    Abstract: Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods. The system provides information corresponding to a received payment to a user/payee's mobile device. Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment. The user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment. The mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010190
    Abstract: Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010192
    Abstract: Methods and systems for indicating a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communications with one or more payment instruction recipients that can make a payment to a payee in behalf of the user. The mobile device allows for selection of a pre-existing payee or entry of payee information. The user provides input at the mobile device selecting a payee for a payment and a payment source for the payment. A mobile payment instruction comprising information corresponding to the payment to make and a payment source for the payment is wirelessly communicated to the MFTS.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010204
    Abstract: Methods and systems for making a financial payment to a payee via a paper check utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a paper check payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a paper check payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a paper check. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by printing and mailing of a paper check to the payee.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080006685
    Abstract: Methods and systems for obtaining real time account balance information for a plurality of financial accounts maintained at one or more financial service providers utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user and is also coupled for electronic communication with one or more financial service providers with which the user maintains one or more accounts. The mobile device stores a cached account balance representative of the balance in each account as of a particular date. The MFTS communicates with financial service providers to obtain updated account balance information for a user's accounts. The updated account balance information is wirelessly communicated to a user's mobile device.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran
  • Publication number: 20080010191
    Abstract: Methods and systems for providing a financial payment to a payee utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The user inputs information into the mobile device identifying a payee, a payment source for the payment, and a payment method. The mobile device generates a mobile payment instruction comprising information corresponding to the identified payee, the payment source, and the payment method, and wirelessly communicates the mobile payment instruction to a mobile financial transaction system (MFTS). The MFTS generates an MFTS payment instruction to a payment instruction recipient. The MFTS payment instruction includes information identifying the payment source, an amount, information corresponding to the identified payee, and information indicating the payment method. The MFTS communicates the MFTS payment instruction to a payment instruction recipient.
    Type: Application
    Filed: July 6, 2006
    Publication date: January 10, 2008
    Applicant: FIRETHORN HOLDINGS, LLC
    Inventors: Brady Lee Rackley III, Warren Derek Porter, Gregory Michael Rickman, Kyle Leighton Cochran