Patents by Inventor Michael F. Buhrmann
Michael F. Buhrmann 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: 11797997Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.Type: GrantFiled: March 8, 2022Date of Patent: October 24, 2023Assignee: Visa International Service AssociationInventors: Randall A. Snyder, Thomas S. Ginter, Michael F. Buhrmann
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Patent number: 11405781Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: GrantFiled: September 12, 2019Date of Patent: August 2, 2022Assignee: Visa International Service AssociationInventors: Charles L. Dennis, Randall A. Snyder, Michael F. Buhrmann, Patrick J. Boyle
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Publication number: 20220188831Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.Type: ApplicationFiled: March 8, 2022Publication date: June 16, 2022Inventors: Randall A. Snyder, Thomas S. Ginter, Michael F. Buhrmann
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Patent number: 11301855Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.Type: GrantFiled: September 22, 2017Date of Patent: April 12, 2022Assignee: Visa International Service AssociationInventors: Randall A. Snyder, Thomas S. Ginter, Michael F. Buhrmann
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Patent number: 10669130Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location.Type: GrantFiled: November 15, 2017Date of Patent: June 2, 2020Assignee: Visa International Service AssociationInventors: Ajay Dankar, Sunita Reddy, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis, Randall A. Snyder
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Publication number: 20200008060Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: ApplicationFiled: September 12, 2019Publication date: January 2, 2020Inventors: Charles L. Dennis, Randall A. Snyder, Michael F. Buhrmann, Patrick J. Boyle
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Patent number: 10455419Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: GrantFiled: June 13, 2017Date of Patent: October 22, 2019Assignee: Visa International Service AssociationInventors: Charles L. Dennis, Randall A. Snyder, Michael F. Buhrmann, Patrick J. Boyle
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Patent number: 9922323Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location. Other location information used for comparison may be obtained from a multiplicity of sources, such as another network based on some activity of wireless device user, another wireless device via a wireless network, or any system capable of providing location information to the Location Comparison Engine.Type: GrantFiled: May 28, 2013Date of Patent: March 20, 2018Assignee: Visa International Service AssociationInventors: Michael F. Buhrmann, Charles Dennis, Mary Reeder, Jeffrey Brennan
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Publication number: 20180075437Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.Type: ApplicationFiled: September 22, 2017Publication date: March 15, 2018Inventors: Randall A. Snyder, Thomas S. Ginter, Michael F. Buhrmann
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Publication number: 20180072539Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location.Type: ApplicationFiled: November 15, 2017Publication date: March 15, 2018Inventors: Ajay Dankar, Sunita Reddy, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis, Randall A. Snyder
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Patent number: 9848298Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location.Type: GrantFiled: July 7, 2016Date of Patent: December 19, 2017Assignee: Visa International Service AssociationInventors: Ajay Dankar, Sunita Reddy, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis, Randall A. Snyder
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Patent number: 9838872Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX)to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: GrantFiled: October 26, 2015Date of Patent: December 5, 2017Assignee: Visa International Service AssociationInventors: Charles L. Dennis, Randall A Snyder, Michael F Buhrmann, Patrick J. Boyle
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Publication number: 20170280323Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: ApplicationFiled: June 13, 2017Publication date: September 28, 2017Inventors: Charles L. Dennis, Randall A. Snyder, Michael F. Buhrmann, Patrick J. Boyle
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Publication number: 20160323709Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location.Type: ApplicationFiled: July 7, 2016Publication date: November 3, 2016Inventors: Ajay Dankar, Sunita Reddy, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis, Randall A. Snyder
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Patent number: 9432845Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison.Type: GrantFiled: March 4, 2014Date of Patent: August 30, 2016Assignee: Visa International Service AssociationInventors: Ajay Dankar, Sunita Reddy, Randall A. Snyder, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis
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Patent number: 9420448Abstract: A system and method for automatically comparing obtained wireless device location information from a wireless network and comparing that location with another independent source geographic location is provided. Location information is derived from two or more sources in a multiplicity of ways and a comparison is made within a Location Comparison Engine. The Location Comparison Engine makes use of databases that assist in resolving obtained raw positioning information and converting that positioning information into one or more formats for adequate location comparison. Results of the location comparison are deduced to determine if the wireless device is in some proximity to some other activity source location.Type: GrantFiled: January 9, 2013Date of Patent: August 16, 2016Assignee: Visa International Service AssociationInventors: Ajay Dankar, Sunita Reddy, Michael P. Mortier, Michael F. Buhrmann, Charles L. Dennis, Randall A. Snyder
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Publication number: 20160227405Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: ApplicationFiled: October 26, 2015Publication date: August 4, 2016Inventors: Charles L. Dennis, Randall A Snyder, Michael F. Buhrmann, Patrick J. Boyle
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Patent number: 9185123Abstract: An automated system and method for authenticating entities or individuals attempting to access a computer application, network, system or device using a wireless device is provided. The system employs one or more short-range wireless interfaces (e.g. BLUETOOTH or Wi-Fi) or long-range wireless interfaces (e.g. cellular or WiMAX) to detect the presence or location of the wireless device and it's proximity to the secure system to be accessed. The wireless device incorporates a unique identifier and secure authentication key information associated with the user of the wireless device. An authentication result is generated and may be used for a variety of applications. The application may process the result and determine the degree of access for which the entity or individual is allowed.Type: GrantFiled: December 23, 2008Date of Patent: November 10, 2015Assignee: FINSPHERE CORPORATIONInventors: Charles L. Dennis, Randall A. Snyder, Michael F. Buhrmann, Patrick E. Boyle
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Publication number: 20150178715Abstract: An automated system and method for authenticating entities or individuals engaging in automated or electronic transactions or activities such as financial transactions, accessing computer applications, computer software, data networks or other automated or electronic devices requiring identity and/or reliability verification is provided.Type: ApplicationFiled: March 5, 2015Publication date: June 25, 2015Inventors: Michael F. Buhrmann, Charles L. Dennis, Jeffrey Brennan
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Publication number: 20140244490Abstract: Methods of paying user bills on behalf of a user are described. In one embodiment, the method includes receiving from a vendor a user bill having a user identifier, a vendor identifier, and a bill amount. The method further includes obtaining the user identifier, the vendor identifier, and the bill amount, associating the bill with the user based on the user identifier, and associating the bill with the vendor based on the vendor identifier. The method further includes determining whether the bill is payable, which includes comparing the bill to stored bill data associated with the user and the vendor. When the bill is payable, the method further includes obtaining funds from an account of the user, dispersing funds to the vendor to pay the bill and storing an indication of the paying of the bill.Type: ApplicationFiled: December 20, 2012Publication date: August 28, 2014Inventors: Devin Miller, Rebecca Miller, Michael F. Buhrmann