Patents by Inventor Mark A. Hargrove

Mark A. Hargrove 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).

  • CREDIT AND DEBIT CARD TRANSACTION APPROVAL USING LOCATION VERIFICATION
    Publication number: 20110035318
    Abstract: In one embodiment, an online credit or debit card transaction is processed by transmitting purchase information, including price of the purchase item and card number, to the company that issued the card. In addition, the location from which the purchase is made is calculated, e.g., using a GPS device, and the location data is transmitted to the card issuer. The card issuer determines if the purchase meets certain specified approval requirements, such as whether the card holder has sufficient funds, the card has been reported missing, or card holder's personal information is correct. Further, the card issuer compares the location data to a number of predetermined purchase locations specified by the customer. If the location data matches one of the predetermined locations and the specified approval requirements are met, then the purchase is approved.
    Type: Application
    Filed: December 28, 2007
    Publication date: February 10, 2011
    Applicant: AGERE SYSTEMS INC.
    Inventors: Mark A. Hargrove, James A. Johanson, Stanley Reinhold