Patents by Inventor Mark Wallin
Mark Wallin 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).
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Patent number: 9723108Abstract: An Application Media Package is a software component for accessing and displaying Internet content which includes a definition for rendering a graphical user interface and a URL pointing to Internet content to be downloaded and presented within said user interface. An Application Media Viewer may be used in association with an Application Media Package to manage the collection, organization, sharing, and rendering of a plurality of such Packages. A development server supports the community of Application Media Package developers, providing developer tools, including Package templates which provide an expedient method of re-purposing existing internet media into a new presentation package by choosing from existing examples. Access to tools and information may be controlled at the development server. The development server may also provide a development and test zone for Package verification, authentication and acceptance before posting.Type: GrantFiled: August 23, 2011Date of Patent: August 1, 2017Inventors: John Albert Kembel, George Andrew Kembel, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Publication number: 20170085681Abstract: A server maintains and provides access to application media packages for accessing and displaying Internet content. These packages include a definition for rendering a graphical user interface within which Internet content may be presented outside of and without utilization of a web browser application. The packages also include a network reference, such as a URL, pointing to the Internet content such that the Internet Content may be downloaded and presented within said user interface. A representation of each package on the server available for downloading is provided. A user may select one or more desired packages for downloading. An application media viewer may also be made available for downloading.Type: ApplicationFiled: September 1, 2015Publication date: March 23, 2017Inventors: John Albert KEMBEL, George Andrew KEMBEL, Daniel KIM, John RUSSELL, Jake WOBBROCK, Geoffrey S. KEMBEL, Jeremy L. KEMBEL, Joseph A. BELLA, Sridhar T. DEVULKAR, Mark WALLIN
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Publication number: 20150373152Abstract: A server maintains and provides access to application media packages for accessing and displaying Internet content. These packages include a definition for rendering a graphical user interface within which Internet content may be presented outside of and without utilization of a web browser application. The packages also include a network reference, such as a URL, pointing to the Internet content such that the Internet Content may be downloaded and presented within said user interface. A representation of each package on the server available for downloading is provided. A user may select one or more desired packages for downloading. An application media viewer may also be made available for downloading.Type: ApplicationFiled: September 1, 2015Publication date: December 24, 2015Inventors: John Albert KEMBEL, George Andrew KEMBEL, Daniel KIM, John RUSSELL, Jake WOBBROCK, Geoffrey S. KEMBEL, Jeremy L. KEMBEL, Joseph A. BELLA, Sridhar T. DEVULKAR, Mark WALLIN
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Patent number: 9124665Abstract: A server maintains and provides access to application media packages for accessing and displaying Internet content. These packages include a definition for rendering a graphical user interface within which Internet content may be presented outside of and without utilization of a web browser application. The packages also include a network reference, such as a URL, pointing to the Internet content such that the Internet Content may be downloaded and presented within said user interface. A representation of each package on the server available for downloading is provided. A user may select one or more desired packages for downloading. An application media viewer may also be made available for downloading.Type: GrantFiled: October 31, 2007Date of Patent: September 1, 2015Assignee: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Patent number: 8346887Abstract: A software component for tracking and tracing the access and display of Internet content employs an Application Media Package. That package includes a definition for rendering a graphical user interface and a URL pointing to Internet content that may be presented within said user interface. An application media viewer manages the collection, organization, sharing, and rendering of a plurality of such software components. Because Application Media Packages are used in groups and often for relatively long periods of time, the present invention may collect real-time multidimensional use statistics that over time becomes a valuable multi-dimensional user behavior profiling database. A server collects use statistics from its Application Media Viewer that runs on client computers or cell phones for example, and manages and tracks Application Media Package and Viewer downloads, access to an Application Media Package library, etc.Type: GrantFiled: October 31, 2007Date of Patent: January 1, 2013Assignee: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Daniel Kim, John Russell, Jake Wobbrock, Geoffrey Kembel, Jeremy Kembel, Lynn Gabbay, Anthony Medrano, Scot Malloy, Joseph Bella, Sridhar Devulkar, Mark Wallin
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Publication number: 20120117479Abstract: An Application Media Package is a software component for accessing and displaying Internet content which includes a definition for rendering a graphical user interface and a URL pointing to Internet content to be downloaded and presented within said user interface. An Application Media Viewer may be used in association with an Application Media Package to manage the collection, organization, sharing, and rendering of a plurality of such Packages. A development server supports the community of Application Media Package developers, providing developer tools, including Package templates which provide an expedient method of re-purposing existing internet media into a new presentation package by choosing from existing examples. Access to tools and information may be controlled at the development server. The development server may also provide a development and test zone for Package verification, authentication and acceptance before posting.Type: ApplicationFiled: August 23, 2011Publication date: May 10, 2012Applicant: Mainstream Scientific, LLCInventors: John Albert KEMBEL, George Andrew Kembel, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Patent number: 8020083Abstract: An Application Media Package is a software component for accessing and displaying Internet content which includes a definition for rendering a graphical user interface and a URL pointing to Internet content to be downloaded and presented within said user interface. An Application Media Viewer may be used in association with an Application Media Package to manage the collection, organization, sharing, and rendering of a plurality of such Packages. A development server supports the community of Application Media Package developers, providing developer tools, including Package templates which provide an expedient method of re-purposing existing internet media into a new presentation package by choosing from existing examples. Access to tools and information may be controlled at the development server. The development server may also provide a development and test zone for Package verification, authentication and acceptance before posting.Type: GrantFiled: October 31, 2007Date of Patent: September 13, 2011Assignee: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Daniel Kim, John Russell, Jake Wobbrock, Geoffrey Kembel, Jeremy Kembel, Joseph Bella, Sridhar Devulkar, Mark Wallin
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Patent number: 7937299Abstract: Systems and methods for performing preauthorization of check transactions are disclosed. In some check transactions such as ACH card transactions, the actual purchase amount is not known when the card is first presented to a merchant. Dispensing of gasoline for a fill-up is an example of such a transaction. Various embodiments of the systems and methods disclose preauthorizing such transaction before the actual purchase amount is known, and without placing a hold of the checking account corresponding to the card. In one embodiment, such preauthorization can be based on, for example, a likely purchase amount associated with the merchant. The actual amount, once determined, can be matched with the information used for preauthorization in various manners.Type: GrantFiled: December 29, 2005Date of Patent: May 3, 2011Assignee: First Data CorporationInventors: Daniel Ahles, Mark Wallin
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Patent number: 7905396Abstract: Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy and cashability of the check. In various embodiments, information about an authenticating mark may be compared to stored information about an expected configuration for the authenticating mark. In various embodiments, a gradated risk score may be generated based at least in part on the comparison. In various embodiments, the risk score may be combined with risk scores that are descriptive of other aspects of a check cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the transaction risk score may be used to generate an accept/decline recommendation for the transaction.Type: GrantFiled: October 26, 2007Date of Patent: March 15, 2011Assignee: First Data CorporationInventors: Lisa C. Tidwell, Amy L. Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles R. Williams
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Patent number: 7783563Abstract: Systems and methods are described for building, maintaining, and using a repository of information about payors of second-party checks presented at a check-cashing entity for cashing. In various embodiments, the repository comprises stored information useful for determining the location of a payor of a second-party check. In one embodiment, information from the check that identifies an account on which the check is drawn, such as magnetic ink character recognition (MICR) line information from a paycheck, is used to access a repository of employer location information. In one embodiment, the payor location information is used to determine a proximity between the payor location and the check cashing entity location. In one embodiment, when a check is presented for which stored payor location information is not available, identifying information about the payor and/or the payor location is requested and is added to the repository.Type: GrantFiled: December 9, 2003Date of Patent: August 24, 2010Assignee: First Data CorporationInventors: Lisa C. Tidwell, Amy L. Swift, Cassandra Mollett, Mark Wallin, Lance D. Pate, Charles R. Williams
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Patent number: 7756967Abstract: The invention includes a method of hosting Internet content. The method includes the step of receiving an address of a definition from a computing device, where the definition defines a frame and a location of content with which to fill in the frame. The definition is located in a database utilizing the address. The definition is transmitted to the computing device. A method of the invention also includes permitting access to a database containing a set of definitions, where the set of definitions defines a frame and a location of content with which to fill in the frame. Instructions are received to modify a selected definition of the set of definitions. The selected definition is modified to create a new selected definition.Type: GrantFiled: April 26, 2000Date of Patent: July 13, 2010Assignee: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Patent number: 7500599Abstract: Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.Type: GrantFiled: July 16, 2007Date of Patent: March 10, 2009Assignee: First Data CorporationInventors: Amy Swift, Mark Wallin, Lance Pate
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Patent number: 7398925Abstract: Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments by using biometric information obtained from an individual who presents a check or other negotiable instrument in a check-cashing transaction. In various embodiments, the obtained biometric information may be compared with stored biometric information in order to enhance confidence in the accurate identification of the check presenter. In various embodiments, a gradated biometric risk score, based at least in part on the comparison, may be generated for the check-cashing transaction. In various embodiments, the biometric risk score may be combined with risk scores that are descriptive of other aspects of the check-cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the risk scores may be used to generate an accept/decline recommendation for the transaction as a whole.Type: GrantFiled: December 9, 2003Date of Patent: July 15, 2008Assignee: First Data CorporationInventors: Lisa C. Tidwell, Amy L. Swift, Cassandra Mollett, Mark Wallin, Lance D. Pate, Charles R. Williams
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Publication number: 20080163202Abstract: A server maintains and provides access to application media packages for accessing and displaying Internet content. These packages include a definition for rendering a graphical user interface within which Internet content may be presented outside of and without utilization of a web browser application. The packages also include a network reference, such as a URL, pointing to the Internet content such that the Internet Content may be downloaded and presented within said user interface. A representation of each package on the server available for downloading is provided. A user may select one or more desired packages for downloading. An application media viewer may also be made available for downloading.Type: ApplicationFiled: October 31, 2007Publication date: July 3, 2008Applicant: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Patent number: 7392942Abstract: A system automatically determines authorization of a financial transaction occurring through the presentation of a check card such as a demand deposit account (DDA) card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter.Type: GrantFiled: December 20, 2005Date of Patent: July 1, 2008Assignee: First Data CorporationInventors: Bruce Dragt, Daniel Ahles, Mark Wallin
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Patent number: 7356569Abstract: The invention includes a method of tracking distributed content within a computer network. The method includes the step of identifying the delivery of a set of Network Information Monitors (NIMs). Information about each NTM within the set of NIMs is tracked. The information includes a first time at which a user opens a selected NIM, a second time at which the user closes the selected NW, and an identifier for the selected NIM. The information is used to determine sub-sets of NIMs that are displayed simultaneously. The invention also includes a method of identifying the delivery of a Network Information Monitor (NIM) to a user. Content information for the NIM is recorded. NIM use activity is tracked the user for a set of NIMs. The content information is correlated with the NIM use activity.Type: GrantFiled: April 26, 2000Date of Patent: April 8, 2008Assignee: Mainstream Scientific, LLCInventors: John Albert Kembel, George Andrew Kembel, Anthony P. Medrano, Daniel S. Kim, John Russell, Jake Wobbrock, Geoffrey S. Kembel, Jeremy L. Kembel, Lynn D. Gabbay, Scot J. Malloy, Joseph A. Bella, Sridhar T. Devulkar, Mark Wallin
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Publication number: 20080046368Abstract: Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy and cashability of the check. In various embodiments, information about an authenticating mark may be compared to stored information about an expected configuration for the authenticating mark. In various embodiments, a gradated risk score may be generated based at least in part on the comparison. In various embodiments, the risk score may be combined with risk scores that are descriptive of other aspects of a check cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the transaction risk score may be used to generate an accept/decline recommendation for the transaction.Type: ApplicationFiled: October 26, 2007Publication date: February 21, 2008Applicant: FIRST DATA CORPORATIONInventors: Lisa Tidwell, Amy Swift, Cassandra Mollett, Mark Wallin, Lance Pate, Charles Williams
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Publication number: 20080011824Abstract: Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.Type: ApplicationFiled: July 16, 2007Publication date: January 17, 2008Applicant: FIRST DATA CORPORATIONInventors: Amy Swift, Mark Wallin, Lance Pate
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Patent number: 7287689Abstract: Systems and methods are described for better assessing risk associated with cashing second-party checks and other negotiable instruments. The systems and methods make use of information about authenticating marks, such as watermarks, bar codes, insignia, background patterns, and the like, from a check in order to better assess the legitimacy and cashability of the check. In various embodiments, information about an authenticating mark may be compared to stored information about an expected configuration for the authenticating mark. In various embodiments, a gradated risk score may be generated, based at least in part on the comparison. In various embodiments, the risk score may be combined with risk scores that are descriptive of other aspects of a check cashing transaction to calculate a risk score for the transaction as a whole. In some embodiments, the transaction risk score may be used to generate an accept/decline recommendation for the transaction.Type: GrantFiled: December 9, 2003Date of Patent: October 30, 2007Assignee: First Data CorporationInventors: Lisa C. Tidwell, Amy L. Swift, Cassandra Mollett, Mark Wallin, Lance D. Pate, Charles R. Williams
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Patent number: 7246740Abstract: Most financial transactions involving check deposits and cashing at automatic teller machines are often associated with high risk. Although conventional security measures for many automatic teller machines record financial transactions, the recorded events are typically viewed after suspicious or criminal activity has already occurred. Therefore, a financial institution may not know in advance whether requested financial transactions are of suspicious or fraudulent intent. The present teachings relate to a method of scoring customers prior to authorization in a manner so as to identify suspicious behavior or suspicious activity. The method also relates to marking suspicious individuals by storing related transaction information, such as biometric data, in a database for purposes of verifying identification information and scoring the validity of future financial transactions.Type: GrantFiled: March 31, 2004Date of Patent: July 24, 2007Assignee: First Data CorporationInventors: Amy Swift, Mark Wallin, Lance Pate