Patents by Inventor Malgorzata Lisowiec

Malgorzata Lisowiec 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).

  • TRANSACTION STORAGE SCHEME FOR OFFLINE PAYMENT SYSTEM
    Publication number: 20130103523
    Abstract: Offline processing and storage of purchases is possible with the tap of a smart card to a contactless device. The smart card transmits its transaction history to the contactless device. The user may deposit funds onto the smart card, wherein the merchant enters the deposit information onto the contactless device and transmits a request to the remote system. The remote system processes the request and transmits a deposit record to the contactless device, which in turn transmits the deposit record to the smart card. The user also may withdraw funds from the smart card, wherein the contactless device determines whether the smart card has a sufficient balance available, by reading the current sum of deposits and the current sum of withdrawals from the smart card. The sum of withdrawals is current on the smart card even if the contactless device does not have network access to the remote system.
    Type: Application
    Filed: October 24, 2011
    Publication date: April 25, 2013
    Inventors: Aneto Pablo Okonkwo, Patrick Pui Wah Leung, Malgorzata Lisowiec, Fan Jiang, Michael William Springer
  • SYSTEM FOR OFFLINE PROCESSING OF PURCHASES
    Publication number: 20130103524
    Abstract: Offline processing and storage of purchases is possible with the tap of a smart card to a contactless device. The smart card transmits its transaction history to the contactless device. The user may deposit funds onto the smart card, wherein the merchant enters the deposit information onto the contactless device and transmits a request to the remote system. The remote system processes the request and transmits a deposit record to the contactless device, which in turn transmits the deposit record to the smart card. The user also may withdraw funds from the smart card, wherein the contactless device determines whether the smart card has a sufficient balance available, by reading the current sum of deposits and the current sum of withdrawals from the smart card. The sum of withdrawals is current on the smart card even if the contactless device does not have network access to the remote system.
    Type: Application
    Filed: October 24, 2011
    Publication date: April 25, 2013
    Inventors: Michael William Springer, Fan Jiang, Aneto Pable Okonkwo, Malgorzata Lisowiec, Patrick Pui Wah Leung