Patents by Inventor Lawrence Douglas

Lawrence Douglas 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: 20160321651
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, enable parties conducting transactions to identify a financial institution and payment network for a financial account associated with a pre-provisioned payment token using existing payment protocols. The method may include receiving from a third-party device a request for funding account information that identifies a token that does not identify a financial service provider or a payment network. The method may further include accessing a database to retrieve token information associated with the token, the token information include a link account number that indicates a funding account, a financial service provider associated with the funding account, and a payment network, and user preferences associated with the token.
    Type: Application
    Filed: April 29, 2016
    Publication date: November 3, 2016
    Inventor: Lawrence Douglas
  • Publication number: 20160321669
    Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.
    Type: Application
    Filed: April 28, 2016
    Publication date: November 3, 2016
    Inventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
  • Publication number: 20160314458
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Application
    Filed: April 22, 2016
    Publication date: October 27, 2016
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20160314456
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide payment tokens for conducting transactions, as well as reprovisioning tokens, on wearable devices without Bluetooth® or other network connectivity beyond NFC radio.
    Type: Application
    Filed: April 22, 2016
    Publication date: October 27, 2016
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20160218088
    Abstract: Stacked die assemblies are electrically connected to connection sites on any support, without electrical connection to any interposed substrate or leadframe, and without solder.
    Type: Application
    Filed: March 31, 2016
    Publication date: July 28, 2016
    Inventors: Simon J. S. McElrea, Marc E. Robinson, Lawrence Douglas Andrews, JR.
  • Patent number: 9304980
    Abstract: Target files in a search space are scanned to identify which versions of software components are present in the search space. A reference library is populated with indicia such as source code fragments of known versions of software components. A file scanner reads file data used to identify matches between the reference library content and target files, and a version detector determines which match candidates represent unique component versions. Once a component version is identified, a vulnerability module determines based on data in a vulnerabilities database what vulnerabilities are associated with the identified version, and a license module identifies which if any licensing schemes are applicable to the identified version. In one embodiment a report is automatically produced providing an indication of all matched files, their versions, vulnerabilities, and licensing schemes.
    Type: Grant
    Filed: October 15, 2008
    Date of Patent: April 5, 2016
    Assignee: Palamida, Inc.
    Inventors: Lawrence Douglas Hartsook, Robert Kenneth Smith
  • Patent number: 9305862
    Abstract: Stacked die assemblies are electrically connected to connection sites on any support, without electrical connection to any interposed substrate or leadframe, and without solder.
    Type: Grant
    Filed: April 25, 2012
    Date of Patent: April 5, 2016
    Assignee: Invensas Corporation
    Inventors: Simon J. S. McElrea, Marc E. Robinson, Lawrence Douglas Andrews, Jr.
  • Publication number: 20160078430
    Abstract: A system and method for push notification authentication includes a communication interface that communicates with a mobile device via a network, a digital security delivery database that stores information about a user that is enrolled in push notification authentication, the information about a user that is enrolled in push notification authentication hardware includes characteristics of the mobile device and login information for the user, and an application programming interface (API) framework coupled to the communication interface that receives information indicating that a transaction requiring push notification authentication has been approved by a user of the mobile device, updates the digital security delivery database to indicate that the transaction requiring push notification authentication has been approved by the user, and transmits a transaction status to the mobile device.
    Type: Application
    Filed: August 17, 2015
    Publication date: March 17, 2016
    Inventors: Lawrence DOUGLAS, James ASHFIELD, Thomas S. POOLE, John FIELDS, Justin BOWERS, Drew COGSWELL, John ELASIC
  • Publication number: 20160071085
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Application
    Filed: November 13, 2015
    Publication date: March 10, 2016
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20160048846
    Abstract: A system and method a method for digital authorization including a customer authentication system with at least one customer authentication device, where the customer authentication system is, for example, a customer authentication system that receives customer data from via a network associated with a customer authentication request, receives customer input associated with the authentication request, generates authentication data based on, for example, the customer data and the customer input, where the authentication data is randomly generated, generates a second authentication request comprising the authentication data, transmits the authentication request via a notification based on a customer preference, receives an authentication response based on the second authentication request, and provides access to the customer data based on the authentication response.
    Type: Application
    Filed: August 17, 2015
    Publication date: February 18, 2016
    Inventors: Lawrence DOUGLAS, James ASHFIELD, Thomas POOLE
  • Patent number: 9218595
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Grant
    Filed: May 4, 2015
    Date of Patent: December 22, 2015
    Assignee: Capital One Financial Corporation
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20150302370
    Abstract: A system and method for real-time funds transfer that includes a financial institution server system that maintains an agent account for real-time transfers, an input/output module of the financial institution server system that receives a request for a real-time funds transfer, wherein the request for the real-time funds transfer includes destination account data, funds transfer amount, and source financial institution preference data, a destination agent module of the financial institution server system that processes the received request and determines whether the agent account can facilitate the real-time funds transfer based on the destination account data, funds transfer amount, and source financial preference data, and a destination account module of the financial institution server system that receives, in real-time from the agent account, the funds transfer amount if the destination agent module determines that the agent account can facilitate the real-time funds transfer.
    Type: Application
    Filed: April 10, 2015
    Publication date: October 22, 2015
    Inventors: Luke A. HAMMOCK, Lawrence DOUGLAS
  • Publication number: 20150235201
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Application
    Filed: May 4, 2015
    Publication date: August 20, 2015
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20150213435
    Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.
    Type: Application
    Filed: January 26, 2015
    Publication date: July 30, 2015
    Inventors: Lawrence Douglas, Luke A. Hammock
  • Publication number: 20150199748
    Abstract: The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3D) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3D manufacturing product. The system may then transmit the payment information to one or more vendors identified by the request. The system may also provide a registration number associated with the 3D manufacturing product to the user. The one or more vendors may include a manufacturer system and/or a designer system. The designer system may transmit a 3D design file associated with the 3D manufacturing product to the manufacturer after receiving the payment information associated with the 3D manufacturing product.
    Type: Application
    Filed: January 9, 2015
    Publication date: July 16, 2015
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk, Lawrence Douglas
  • Publication number: 20150193873
    Abstract: This disclosure relates generally to credit-based transactions, and more particularly to dynamic purchase financing methods and systems. In one embodiment, a computer-implemented method provides a conditional credit line. The method receives a payment authorization request, and parses, via a processor, the payment authorization request to extract payment information. The method determines that the payment information includes information related to an extra credit line. The method generates, via the processor, a credit-risk allocation notification associated with the extra credit line, and transmits the credit-risk allocation notification to a computer associated with a financial institution.
    Type: Application
    Filed: January 8, 2015
    Publication date: July 9, 2015
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Luke A. HAMMOCK, Lawrence DOUGLAS
  • Publication number: 20150193768
    Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.
    Type: Application
    Filed: January 8, 2015
    Publication date: July 9, 2015
    Applicant: Capital One Financial Corporation
    Inventors: Lawrence Douglas, Robert D. Rowley, Philip Kim, Joseph Whitchurch
  • Publication number: 20150193776
    Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.
    Type: Application
    Filed: January 8, 2015
    Publication date: July 9, 2015
    Inventors: Lawrence DOUGLAS, Paul Y. MORETON
  • Publication number: 20150193794
    Abstract: A system and method for real-time surveys includes a communication interface that receives event data associated with a customer via a network from a mobile device of the customer, a survey generator that generates a survey based on the event data, a survey transmission interface that transmits the survey to the mobile device, and a survey response receiver that receives a response to the survey. The survey generator generates one or more of follow-up commands or follow-up questions based on the received response and the survey transmission interface transmits the one or more of follow-up commands or follow-up questions to the mobile device.
    Type: Application
    Filed: January 8, 2015
    Publication date: July 9, 2015
    Inventors: Lawrence DOUGLAS, Ronald A. SECRIST
  • Publication number: 20150193775
    Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.
    Type: Application
    Filed: January 8, 2015
    Publication date: July 9, 2015
    Applicant: Capital One Financial Corporation
    Inventors: Lawrence Douglas, Robert D. Rowley, Philip Kim